Call reports 2016
ARLO BANK — 2016
What ARLO 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 | 31,544,000 | 30,978,000 | 30,339,000 | 29,004,000 |
| Total loans | 22,422,000 | 22,793,000 | 23,004,000 | 22,907,000 |
| Allowance for loan losses | 247,000 | 236,000 | 236,000 | 236,000 |
| Securities available for sale | 2,442,000 | 421,000 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,423,000 | 23,995,000 | 23,375,000 | 22,388,000 |
| Interest-bearing deposits | 23,929,000 | 23,524,000 | 22,869,000 | 22,047,000 |
| Noninterest-bearing deposits | 494,000 | 471,000 | 506,000 | 341,000 |
| Equity capital | 7,035,000 | 6,899,000 | 6,884,000 | 6,583,000 |
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 | 300,000 | 599,000 | 899,000 | 1,201,000 |
| Interest expense | 32,000 | 62,000 | 93,000 | 123,000 |
| Net interest income | 268,000 | 537,000 | 806,000 | 1,078,000 |
| Noninterest income | 16,000 | 22,000 | 154,000 | 170,000 |
| Noninterest expense | 479,000 | 893,000 | 1,312,000 | 1,788,000 |
| Provision for loan losses | 23,000 | 23,000 | 23,000 | 23,000 |
| Pretax income | -218,000 | -357,000 | -367,000 | -555,000 |
| Income tax | 0 | 0 | 0 | 112,000 |
| Net income | -218,000 | -357,000 | -367,000 | -667,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,885,000 | 6,747,000 | 6,734,000 | 6,545,000 |
| Total capital | 7,078,000 | 6,944,000 | 6,920,000 | 6,727,000 |
| Risk-weighted assets | 15,350,000 | 15,699,000 | 14,845,000 | 14,555,000 |