Call reports 2016
SAVINGS BANK, THE — 2016
What SAVINGS BANK, THE 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 | 348,531,000 | 344,950,000 | 355,982,000 | 341,635,000 |
| Total loans | 188,239,000 | 193,576,000 | 197,679,000 | 196,293,000 |
| Allowance for loan losses | 2,111,000 | 2,170,000 | 2,214,000 | 2,286,000 |
| Securities available for sale | 129,400,000 | 123,657,000 | 125,497,000 | 122,962,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 307,124,000 | 302,800,000 | 313,432,000 | 300,184,000 |
| Interest-bearing deposits | 254,861,000 | 255,731,000 | 263,786,000 | 246,779,000 |
| Noninterest-bearing deposits | 52,263,000 | 47,069,000 | 49,646,000 | 53,405,000 |
| Equity capital | 37,386,000 | 38,134,000 | 38,551,000 | 35,540,000 |
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 | 2,942,000 | 5,928,000 | 8,933,000 | 11,929,000 |
| Interest expense | 347,000 | 709,000 | 1,072,000 | 1,440,000 |
| Net interest income | 2,595,000 | 5,219,000 | 7,861,000 | 10,489,000 |
| Noninterest income | 306,000 | 727,000 | 1,144,000 | 1,563,000 |
| Noninterest expense | 2,172,000 | 4,415,000 | 6,690,000 | 9,010,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 628,000 | 1,589,000 | 2,523,000 | 3,143,000 |
| Income tax | 135,000 | 382,000 | 592,000 | 732,000 |
| Net income | 493,000 | 1,207,000 | 1,931,000 | 2,411,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,377,000 | 36,912,000 | 37,455,000 | 37,157,000 |
| Total capital | 38,488,000 | 39,082,000 | 39,669,000 | 39,437,000 |
| Risk-weighted assets | 173,242,000 | 179,442,000 | 183,744,000 | 182,416,000 |