Call reports 2016
AMORY FIRST SAVINGS AND LOAN BANK, SSB — 2016
What AMORY FIRST SAVINGS AND LOAN BANK, SSB 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 | 89,794,000 | 88,956,000 | 88,521,000 | 86,798,000 |
| Total loans | 66,323,000 | 65,999,000 | 64,904,000 | 65,772,000 |
| Allowance for loan losses | 523,000 | 501,000 | 501,000 | 524,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,469,000 | 4,470,000 | 5,500,000 | 5,210,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,269,000 | 78,245,000 | 77,630,000 | 75,896,000 |
| Interest-bearing deposits | 79,269,000 | 78,245,000 | 77,630,000 | 75,896,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 10,383,000 | 10,506,000 | 10,603,000 | 10,714,000 |
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 | 783,000 | 1,631,000 | 2,400,000 | 3,224,000 |
| Interest expense | 159,000 | 319,000 | 489,000 | 645,000 |
| Net interest income | 624,000 | 1,312,000 | 1,911,000 | 2,579,000 |
| Noninterest income | 25,000 | -9,000 | -26,000 | -10,000 |
| Noninterest expense | 504,000 | 1,021,000 | 1,457,000 | 1,923,000 |
| Provision for loan losses | 59,000 | 29,000 | 54,000 | 92,000 |
| Pretax income | 86,000 | 253,000 | 374,000 | 554,000 |
| Income tax | 33,000 | 78,000 | 101,000 | 170,000 |
| Net income | 53,000 | 175,000 | 273,000 | 384,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,383,000 | 10,506,000 | 10,603,000 | 10,714,000 |
| Total capital | 10,906,000 | 11,007,000 | 11,104,000 | 11,238,000 |
| Risk-weighted assets | 42,955,000 | 42,853,000 | 42,498,000 | 42,653,000 |