Call reports 2016
STURDY SAVINGS BANK — 2016
What STURDY SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 797,996,000 | 799,454,000 | 832,052,000 | 824,809,000 |
| Total loans | 456,650,000 | 468,009,000 | 467,842,000 | 477,603,000 |
| Allowance for loan losses | 2,132,000 | 2,228,000 | 2,222,000 | 2,202,000 |
| Securities available for sale | 218,148,000 | 207,534,000 | 243,589,000 | 228,856,000 |
| Securities held to maturity | 41,988,000 | 39,875,000 | 37,693,000 | 35,285,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 640,877,000 | 668,769,000 | 729,275,000 | 707,787,000 |
| Interest-bearing deposits | 537,923,000 | 538,280,000 | 573,570,000 | 581,681,000 |
| Noninterest-bearing deposits | 102,954,000 | 130,489,000 | 155,705,000 | 126,106,000 |
| Equity capital | 73,935,000 | 76,022,000 | 77,156,000 | 75,385,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 6,356,000 | 12,781,000 | 19,181,000 | 25,664,000 |
| Interest expense | 360,000 | 723,000 | 1,017,000 | 1,323,000 |
| Net interest income | 5,996,000 | 12,058,000 | 18,164,000 | 24,341,000 |
| Noninterest income | 1,012,000 | 1,950,000 | 3,120,000 | 4,216,000 |
| Noninterest expense | 5,449,000 | 11,037,000 | 16,584,000 | 21,832,000 |
| Provision for loan losses | 31,000 | 126,000 | 125,000 | 119,000 |
| Pretax income | 1,528,000 | 2,964,000 | 4,694,000 | 6,726,000 |
| Income tax | 508,000 | 984,000 | 1,578,000 | 2,286,000 |
| Net income | 1,020,000 | 1,980,000 | 3,116,000 | 4,440,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,380,000 | 68,369,000 | 69,535,000 | 70,846,000 |
| Total capital | 69,533,000 | 70,629,000 | 71,781,000 | 73,048,000 |
| Risk-weighted assets | 521,267,000 | 523,162,000 | 527,293,000 | 541,710,000 |