Call reports 2016
KINGSTREE FEDERAL SAVINGS AND LOAN ASSOCIATION — 2016
What KINGSTREE FEDERAL 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 | 33,679,000 | 33,656,000 | 34,198,000 | 33,811,000 |
| Total loans | 20,862,000 | 20,570,000 | 20,153,000 | 20,121,000 |
| Allowance for loan losses | 206,000 | 163,000 | 197,000 | 195,000 |
| Securities available for sale | 5,567,000 | 5,704,000 | 6,026,000 | 6,563,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,369,000 | 28,315,000 | 28,940,000 | 28,668,000 |
| Interest-bearing deposits | 28,298,000 | 28,199,000 | 28,794,000 | 28,619,000 |
| Noninterest-bearing deposits | 71,000 | 116,000 | 146,000 | 49,000 |
| Equity capital | 5,242,000 | 5,261,000 | 5,216,000 | 5,088,000 |
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 | 296,000 | 599,000 | 898,000 | 1,192,000 |
| Interest expense | 74,000 | 148,000 | 224,000 | 296,000 |
| Net interest income | 222,000 | 451,000 | 674,000 | 896,000 |
| Noninterest income | 22,000 | 45,000 | 61,000 | 90,000 |
| Noninterest expense | 199,000 | 411,000 | 607,000 | 816,000 |
| Provision for loan losses | 10,000 | 94,000 | 168,000 | 201,000 |
| Pretax income | 38,000 | -10,000 | -44,000 | -44,000 |
| Income tax | 3,000 | -11,000 | -31,000 | -35,000 |
| Net income | 35,000 | 1,000 | -13,000 | -9,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,100,000 | 5,070,000 | 5,048,000 | 5,065,000 |
| Total capital | 5,279,000 | 5,233,000 | 5,221,000 | 5,238,000 |
| Risk-weighted assets | 14,259,000 | 14,069,000 | 13,842,000 | 13,833,000 |