Call reports 2016
NEW CARLISLE FEDERAL SAVINGS BANK — 2016
What NEW CARLISLE FEDERAL SAVINGS 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 | 87,103,000 | 89,131,000 | 96,300,000 | 96,013,000 |
| Total loans | 74,229,000 | 75,572,000 | 80,060,000 | 81,517,000 |
| Allowance for loan losses | 1,051,000 | 1,051,000 | 1,034,000 | 1,039,000 |
| Securities available for sale | 3,009,000 | 3,009,000 | 2,007,000 | 2,995,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,699,000 | 69,436,000 | 75,406,000 | 75,200,000 |
| Interest-bearing deposits | 54,925,000 | 55,760,000 | 59,815,000 | 60,384,000 |
| Noninterest-bearing deposits | 12,774,000 | 13,676,000 | 15,591,000 | 14,816,000 |
| Equity capital | 10,191,000 | 10,249,000 | 10,414,000 | 10,510,000 |
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 | 875,000 | 1,765,000 | 2,731,000 | 3,654,000 |
| Interest expense | 100,000 | 212,000 | 339,000 | 473,000 |
| Net interest income | 775,000 | 1,553,000 | 2,392,000 | 3,181,000 |
| Noninterest income | 177,000 | 418,000 | 711,000 | 915,000 |
| Noninterest expense | 917,000 | 1,831,000 | 2,709,000 | 3,541,000 |
| Provision for loan losses | 10,000 | 20,000 | 27,000 | 27,000 |
| Pretax income | 25,000 | 120,000 | 367,000 | 528,000 |
| Income tax | 12,000 | 50,000 | 131,000 | 189,000 |
| Net income | 13,000 | 70,000 | 236,000 | 339,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,191,000 | 10,248,000 | 10,414,000 | 10,517,000 |
| Total capital | 11,019,000 | 11,081,000 | 11,305,000 | 11,425,000 |
| Risk-weighted assets | 66,054,000 | 66,396,000 | 71,150,000 | 72,521,000 |