Call reports 2016
READLYN SAVINGS BANK, THE — 2016
What READLYN SAVINGS BANK, THE 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 | 73,855,000 | 72,533,000 | 71,395,000 | 70,232,000 |
| Total loans | 47,439,000 | 47,809,000 | 47,538,000 | 47,009,000 |
| Allowance for loan losses | 478,000 | 493,000 | 508,000 | 523,000 |
| Securities available for sale | 24,371,000 | 22,218,000 | 20,919,000 | 20,164,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,854,000 | 47,117,000 | 48,173,000 | 48,822,000 |
| Interest-bearing deposits | 43,984,000 | 41,130,000 | 40,804,000 | 41,038,000 |
| Noninterest-bearing deposits | 5,870,000 | 5,987,000 | 7,369,000 | 7,784,000 |
| Equity capital | 9,696,000 | 10,097,000 | 10,167,000 | 9,700,000 |
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 | 770,000 | 1,540,000 | 2,303,000 | 3,060,000 |
| Interest expense | 181,000 | 370,000 | 557,000 | 741,000 |
| Net interest income | 589,000 | 1,170,000 | 1,746,000 | 2,319,000 |
| Noninterest income | 18,000 | 38,000 | 52,000 | 66,000 |
| Noninterest expense | 289,000 | 555,000 | 816,000 | 1,077,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 311,000 | 643,000 | 966,000 | 1,276,000 |
| Income tax | 15,000 | 30,000 | 45,000 | 63,000 |
| Net income | 296,000 | 613,000 | 921,000 | 1,213,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,107,000 | 9,275,000 | 9,433,000 | 9,574,000 |
| Total capital | 9,585,000 | 9,768,000 | 9,941,000 | 10,097,000 |
| Risk-weighted assets | 55,171,000 | 55,362,000 | 56,719,000 | 54,303,000 |