Call reports 2016
SAVOY BANK — 2016
What SAVOY 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 | 214,738,000 | 221,626,000 | 261,009,000 | 252,129,000 |
| Total loans | 161,270,000 | 170,692,000 | 187,079,000 | 203,043,000 |
| Allowance for loan losses | 2,483,000 | 2,758,000 | 2,843,000 | 2,844,000 |
| Securities available for sale | 2,979,000 | 2,833,000 | 3,426,000 | 3,689,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,394,000 | 195,743,000 | 233,846,000 | 223,174,000 |
| Interest-bearing deposits | 154,983,000 | 166,807,000 | 166,229,000 | 164,425,000 |
| Noninterest-bearing deposits | 35,411,000 | 28,936,000 | 67,617,000 | 58,749,000 |
| Equity capital | 23,030,000 | 23,860,000 | 24,428,000 | 25,591,000 |
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 | 2,682,000 | 5,525,000 | 8,461,000 | 11,495,000 |
| Interest expense | 348,000 | 781,000 | 1,260,000 | 1,738,000 |
| Net interest income | 2,334,000 | 4,744,000 | 7,201,000 | 9,757,000 |
| Noninterest income | 932,000 | 1,755,000 | 1,989,000 | 2,867,000 |
| Noninterest expense | 1,561,000 | 3,282,000 | 5,036,000 | 6,593,000 |
| Provision for loan losses | 39,000 | 314,000 | 398,000 | 398,000 |
| Pretax income | 1,678,000 | 2,936,000 | 3,795,000 | 5,672,000 |
| Income tax | 558,000 | 972,000 | 1,245,000 | 1,956,000 |
| Net income | 1,120,000 | 1,964,000 | 2,550,000 | 3,716,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,974,000 | 19,814,000 | 20,426,000 | 21,607,000 |
| Total capital | 20,980,000 | 22,053,000 | 22,859,000 | 24,246,000 |
| Risk-weighted assets | 158,381,000 | 176,996,000 | 192,655,000 | 209,323,000 |