Call reports 2016
RG BANK, A SAVINGS AND LOAN ASSOCIATION — 2016
What RG BANK, A SAVINGS AND LOAN ASSOCIATION 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 | 97,176,000 | 98,971,000 | 99,831,000 | 102,259,000 |
| Total loans | 67,981,000 | 71,038,000 | 71,056,000 | 72,248,000 |
| Allowance for loan losses | 641,000 | 641,000 | 630,000 | 606,000 |
| Securities available for sale | 16,851,000 | 16,271,000 | 14,102,000 | 14,032,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,752,000 | 87,357,000 | 88,104,000 | 90,786,000 |
| Interest-bearing deposits | 76,360,000 | 77,371,000 | 78,483,000 | 79,238,000 |
| Noninterest-bearing deposits | 9,392,000 | 9,986,000 | 9,621,000 | 11,548,000 |
| Equity capital | 11,179,000 | 11,321,000 | 11,359,000 | 11,277,000 |
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 | 954,000 | 1,920,000 | 2,887,000 | 3,862,000 |
| Interest expense | 45,000 | 88,000 | 134,000 | 186,000 |
| Net interest income | 909,000 | 1,832,000 | 2,753,000 | 3,676,000 |
| Noninterest income | 133,000 | 231,000 | 327,000 | 400,000 |
| Noninterest expense | 893,000 | 1,820,000 | 2,751,000 | 3,679,000 |
| Provision for loan losses | 6,000 | 8,000 | 8,000 | 3,000 |
| Pretax income | 148,000 | 240,000 | 359,000 | 432,000 |
| Income tax | 53,000 | 86,000 | 144,000 | 170,000 |
| Net income | 95,000 | 154,000 | 215,000 | 262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,188,000 | 11,247,000 | 11,308,000 | 11,431,000 |
| Total capital | 11,823,000 | 11,888,000 | 11,938,000 | 12,037,000 |
| Risk-weighted assets | 50,834,000 | 52,230,000 | 52,637,000 | 53,970,000 |