Call reports 2017
SAVOY BANK — 2017
What SAVOY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 255,402,000 | 264,859,000 | 297,319,000 | 293,396,000 |
| Total loans | 216,177,000 | 233,137,000 | 233,523,000 | 250,350,000 |
| Allowance for loan losses | 2,874,000 | 3,425,000 | 3,150,000 | 3,292,000 |
| Securities available for sale | 3,606,000 | 3,517,000 | 2,916,000 | 2,802,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,961,000 | 236,092,000 | 261,895,000 | 257,358,000 |
| Interest-bearing deposits | 158,946,000 | 186,339,000 | 206,908,000 | 212,772,000 |
| Noninterest-bearing deposits | 68,015,000 | 49,752,000 | 54,987,000 | 44,586,000 |
| Equity capital | 26,470,000 | 26,959,000 | 28,034,000 | 29,475,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,472,000 | 7,089,000 | 11,208,000 | 15,611,000 |
| Interest expense | 473,000 | 1,024,000 | 1,723,000 | 2,508,000 |
| Net interest income | 2,999,000 | 6,065,000 | 9,485,000 | 13,103,000 |
| Noninterest income | 577,000 | 954,000 | 2,020,000 | 3,387,000 |
| Noninterest expense | 2,091,000 | 4,146,000 | 6,285,000 | 8,129,000 |
| Provision for loan losses | 27,000 | 565,000 | 1,025,000 | 2,425,000 |
| Pretax income | 1,458,000 | 2,308,000 | 4,195,000 | 5,936,000 |
| Income tax | 602,000 | 979,000 | 1,787,000 | 2,097,000 |
| Net income | 856,000 | 1,329,000 | 2,408,000 | 3,839,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,268,000 | 26,886,000 | 27,907,000 | 29,347,000 |
| Total capital | 27,091,000 | 29,852,000 | 30,917,000 | 32,556,000 |
| Risk-weighted assets | 225,338,000 | 236,837,000 | 240,650,000 | 256,620,000 |