Call reports 2016
BALBOA THRIFT AND LOAN ASSOCIATION — 2016
What BALBOA THRIFT AND LOAN ASSOCIATION 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 | 221,608,000 | 235,542,000 | 235,656,000 | 238,811,000 |
| Total loans | 203,853,000 | 211,675,000 | 215,772,000 | 219,298,000 |
| Allowance for loan losses | 2,744,000 | 2,877,000 | 3,027,000 | 3,175,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,203,000 | 197,616,000 | 197,460,000 | 200,288,000 |
| Interest-bearing deposits | 183,072,000 | 196,760,000 | 196,198,000 | 199,140,000 |
| Noninterest-bearing deposits | 1,131,000 | 856,000 | 1,262,000 | 1,148,000 |
| Equity capital | 36,305,000 | 36,705,000 | 36,939,000 | 37,249,000 |
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 | 4,463,000 | 9,065,000 | 13,719,000 | 18,825,000 |
| Interest expense | 594,000 | 1,218,000 | 1,876,000 | 2,520,000 |
| Net interest income | 3,869,000 | 7,847,000 | 11,843,000 | 16,305,000 |
| Noninterest income | 136,000 | 270,000 | 402,000 | 519,000 |
| Noninterest expense | 2,662,000 | 5,389,000 | 8,036,000 | 10,783,000 |
| Provision for loan losses | 837,000 | 1,502,000 | 2,546,000 | 3,476,000 |
| Pretax income | 506,000 | 1,226,000 | 1,663,000 | 2,565,000 |
| Income tax | 225,000 | 545,000 | 747,000 | 1,140,000 |
| Net income | 281,000 | 681,000 | 916,000 | 1,425,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,941,000 | 36,341,000 | 36,575,000 | 36,885,000 |
| Total capital | 38,534,000 | 39,059,000 | 39,339,000 | 39,682,000 |
| Risk-weighted assets | 207,308,000 | 217,308,000 | 220,858,000 | 223,402,000 |