Call reports 2016
SPRATT SAVINGS BANK — 2016
What SPRATT 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 | 105,003,000 | 107,995,000 | 108,431,000 | 109,948,000 |
| Total loans | 32,231,000 | 32,517,000 | 32,226,000 | 32,490,000 |
| Allowance for loan losses | 1,172,000 | 1,172,000 | 1,172,000 | 1,167,000 |
| Securities available for sale | 21,962,000 | 24,492,000 | 29,355,000 | 33,417,000 |
| Securities held to maturity | 29,646,000 | 27,702,000 | 26,259,000 | 25,339,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,918,000 | 79,683,000 | 80,150,000 | 81,990,000 |
| Interest-bearing deposits | 72,437,000 | 73,062,000 | 73,995,000 | 76,350,000 |
| Noninterest-bearing deposits | 4,481,000 | 6,621,000 | 6,155,000 | 5,640,000 |
| Equity capital | 27,882,000 | 28,072,000 | 28,088,000 | 27,742,000 |
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 | 743,000 | 1,487,000 | 2,238,000 | 3,009,000 |
| Interest expense | 151,000 | 305,000 | 464,000 | 628,000 |
| Net interest income | 592,000 | 1,182,000 | 1,774,000 | 2,381,000 |
| Noninterest income | 38,000 | 83,000 | 125,000 | 176,000 |
| Noninterest expense | 558,000 | 1,127,000 | 1,699,000 | 2,284,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 72,000 | 180,000 | 279,000 | 347,000 |
| Income tax | 17,000 | 47,000 | 71,000 | 82,000 |
| Net income | 55,000 | 133,000 | 208,000 | 265,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,738,000 | 27,816,000 | 27,892,000 | 27,949,000 |
| Total capital | 28,244,000 | 28,318,000 | 28,405,000 | 28,461,000 |
| Risk-weighted assets | 39,823,000 | 39,558,000 | 40,410,000 | 40,325,000 |