Call reports 2017
SPRATT SAVINGS BANK — 2017
What SPRATT SAVINGS 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 | 114,402,000 | 113,700,000 | 112,761,000 | 113,522,000 |
| Total loans | 32,801,000 | 33,416,000 | 32,341,000 | 32,108,000 |
| Allowance for loan losses | 1,167,000 | 1,167,000 | 1,167,000 | 1,167,000 |
| Securities available for sale | 34,926,000 | 37,291,000 | 38,675,000 | 40,410,000 |
| Securities held to maturity | 24,469,000 | 23,741,000 | 22,408,000 | 21,759,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,366,000 | 85,255,000 | 84,476,000 | 85,336,000 |
| Interest-bearing deposits | 78,943,000 | 78,309,000 | 77,020,000 | 78,879,000 |
| Noninterest-bearing deposits | 7,423,000 | 6,946,000 | 7,456,000 | 6,457,000 |
| Equity capital | 27,854,000 | 28,027,000 | 28,111,000 | 28,009,000 |
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 | 794,000 | 1,608,000 | 2,438,000 | 3,265,000 |
| Interest expense | 163,000 | 329,000 | 499,000 | 668,000 |
| Net interest income | 631,000 | 1,279,000 | 1,939,000 | 2,597,000 |
| Noninterest income | 43,000 | 85,000 | 133,000 | 181,000 |
| Noninterest expense | 577,000 | 1,160,000 | 1,774,000 | 2,411,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 95,000 | 201,000 | 334,000 | 403,000 |
| Income tax | 23,000 | 51,000 | 88,000 | 150,000 |
| Net income | 72,000 | 150,000 | 246,000 | 253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,021,000 | 28,099,000 | 28,195,000 | 28,202,000 |
| Total capital | 28,537,000 | 28,613,000 | 28,692,000 | 28,684,000 |
| Risk-weighted assets | 40,635,000 | 40,522,000 | 39,106,000 | 37,879,000 |