Call reports 2016
EAST RIVER BANK — 2016
What EAST RIVER 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 |
|---|---|---|---|
| Total assets | 311,418,000 | 320,436,000 | 322,797,000 |
| Total loans | 288,815,000 | 306,782,000 | 311,082,000 |
| Allowance for loan losses | 3,564,000 | 3,835,000 | 2,797,000 |
| Securities available for sale | 6,716,000 | 6,406,000 | 3,027,000 |
| Securities held to maturity | 313,000 | 312,000 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 230,766,000 | 229,035,000 | 226,257,000 |
| Interest-bearing deposits | 207,318,000 | 201,138,000 | 196,466,000 |
| Noninterest-bearing deposits | 23,448,000 | 27,897,000 | 29,791,000 |
| Equity capital | 30,966,000 | 31,340,000 | 28,257,000 |
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 |
|---|---|---|---|
| Interest income | 3,689,000 | 7,583,000 | 11,555,000 |
| Interest expense | 670,000 | 1,345,000 | 2,036,000 |
| Net interest income | 3,019,000 | 6,238,000 | 9,519,000 |
| Noninterest income | 246,000 | 357,000 | 410,000 |
| Noninterest expense | 2,189,000 | 4,512,000 | 10,390,000 |
| Provision for loan losses | 184,000 | 451,000 | 588,000 |
| Pretax income | 892,000 | 1,632,000 | -1,046,000 |
| Income tax | 355,000 | 747,000 | -785,000 |
| Net income | 537,000 | 885,000 | -261,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 |
|---|---|---|---|
| Tier 1 capital | 30,874,000 | 31,242,000 | 28,257,000 |
| Total capital | 33,972,000 | 34,585,000 | 31,107,000 |
| Risk-weighted assets | 247,353,000 | 266,857,000 | 271,731,000 |