Call reports 2016
SOLUTIONS BANK — 2016
What SOLUTIONS 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 | 185,165,000 | 182,442,000 | 185,875,000 | 194,541,000 |
| Total loans | 121,547,000 | 121,221,000 | 122,256,000 | 126,698,000 |
| Allowance for loan losses | 1,107,000 | 1,210,000 | 1,366,000 | 1,257,000 |
| Securities available for sale | 51,137,000 | 47,567,000 | 50,200,000 | 55,359,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,308,000 | 143,488,000 | 141,658,000 | 147,127,000 |
| Interest-bearing deposits | 124,926,000 | 125,128,000 | 123,208,000 | 125,739,000 |
| Noninterest-bearing deposits | 20,382,000 | 18,360,000 | 18,450,000 | 21,388,000 |
| Equity capital | 23,014,000 | 23,802,000 | 24,080,000 | 23,212,000 |
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 | 1,658,000 | 3,270,000 | 4,857,000 | 6,489,000 |
| Interest expense | 175,000 | 356,000 | 544,000 | 742,000 |
| Net interest income | 1,483,000 | 2,914,000 | 4,313,000 | 5,747,000 |
| Noninterest income | 424,000 | 561,000 | 697,000 | 841,000 |
| Noninterest expense | 908,000 | 1,971,000 | 2,911,000 | 4,142,000 |
| Provision for loan losses | 200,000 | 349,000 | 349,000 | 349,000 |
| Pretax income | 902,000 | 1,310,000 | 1,929,000 | 2,306,000 |
| Income tax | 10,000 | 18,000 | 28,000 | 37,000 |
| Net income | 892,000 | 1,292,000 | 1,901,000 | 2,269,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,670,000 | 22,915,000 | 23,314,000 | 23,603,000 |
| Total capital | 23,777,000 | 24,125,000 | 24,680,000 | 24,860,000 |
| Risk-weighted assets | 130,416,000 | 128,823,000 | 132,458,000 | 141,699,000 |