Call reports 2016
MALVERN BANK — 2016
What MALVERN 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 | 122,680,000 | 128,290,000 | 135,435,000 | 145,242,000 |
| Total loans | 106,091,000 | 111,606,000 | 119,127,000 | 121,723,000 |
| Allowance for loan losses | 1,327,000 | 1,364,000 | 1,628,000 | 1,669,000 |
| Securities available for sale | 1,004,000 | 1,004,000 | 1,003,000 | 1,000 |
| Securities held to maturity | 726,000 | 642,000 | 843,000 | 816,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,606,000 | 116,126,000 | 123,354,000 | 132,087,000 |
| Interest-bearing deposits | 96,514,000 | 103,205,000 | 110,758,000 | 118,015,000 |
| Noninterest-bearing deposits | 14,092,000 | 12,921,000 | 12,596,000 | 14,072,000 |
| Equity capital | 11,792,000 | 11,864,000 | 11,727,000 | 12,778,000 |
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 | 1,222,000 | 2,569,000 | 4,010,000 | 5,504,000 |
| Interest expense | 243,000 | 519,000 | 826,000 | 1,185,000 |
| Net interest income | 979,000 | 2,050,000 | 3,184,000 | 4,319,000 |
| Noninterest income | 37,000 | 85,000 | 126,000 | 165,000 |
| Noninterest expense | 606,000 | 1,255,000 | 1,928,000 | 2,716,000 |
| Provision for loan losses | 90,000 | 280,000 | 705,000 | 775,000 |
| Pretax income | 320,000 | 600,000 | 677,000 | 993,000 |
| Income tax | 8,000 | 16,000 | 24,000 | 47,000 |
| Net income | 312,000 | 584,000 | 653,000 | 946,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,792,000 | 11,863,000 | 11,725,000 | 12,778,000 |
| Total capital | 13,033,000 | 13,185,000 | 13,139,000 | 14,298,000 |
| Risk-weighted assets | 99,209,000 | 105,690,000 | 112,942,000 | 121,440,000 |