Call reports 2016
SCALE BANK — 2016
What SCALE 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 | 487,077,000 | 556,697,000 | 554,383,000 | 497,823,000 |
| Total loans | 359,025,000 | 449,382,000 | 452,589,000 | 402,335,000 |
| Allowance for loan losses | 3,223,000 | 3,274,000 | 3,275,000 | 3,275,000 |
| Securities available for sale | 62,664,000 | 64,527,000 | 62,648,000 | 59,547,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 404,493,000 | 384,811,000 | 424,588,000 | 414,018,000 |
| Interest-bearing deposits | 260,112,000 | 234,645,000 | 266,421,000 | 258,032,000 |
| Noninterest-bearing deposits | 144,381,000 | 150,166,000 | 158,167,000 | 155,986,000 |
| Equity capital | 80,738,000 | 82,233,000 | 83,593,000 | 79,838,000 |
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 | 4,169,000 | 8,674,000 | 13,593,000 | 18,317,000 |
| Interest expense | 202,000 | 422,000 | 692,000 | 943,000 |
| Net interest income | 3,967,000 | 8,252,000 | 12,901,000 | 17,374,000 |
| Noninterest income | 342,000 | 692,000 | 1,043,000 | 1,391,000 |
| Noninterest expense | 1,997,000 | 4,096,000 | 6,384,000 | 8,876,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 50,000 |
| Pretax income | 2,312,000 | 4,798,000 | 7,510,000 | 9,839,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,312,000 | 4,798,000 | 7,510,000 | 9,839,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,677,000 | 55,003,000 | 56,507,000 | 53,191,000 |
| Total capital | 56,900,000 | 58,277,000 | 59,782,000 | 56,466,000 |
| Risk-weighted assets | 317,853,000 | 388,754,000 | 373,858,000 | 334,931,000 |