Call reports 2016
TORRINGTON SAVINGS BANK, THE — 2016
What TORRINGTON SAVINGS BANK, THE 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 | 814,648,000 | 824,299,000 | 813,007,000 | 823,875,000 |
| Total loans | 419,089,000 | 427,276,000 | 440,382,000 | 444,946,000 |
| Allowance for loan losses | 3,326,000 | 3,419,000 | 3,569,000 | 3,702,000 |
| Securities available for sale | 218,882,000 | 218,763,000 | 213,580,000 | 211,373,000 |
| Securities held to maturity | 45,000,000 | 49,993,000 | 44,994,000 | 44,995,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 662,057,000 | 670,138,000 | 657,256,000 | 664,326,000 |
| Interest-bearing deposits | 638,764,000 | 645,966,000 | 633,714,000 | 635,127,000 |
| Noninterest-bearing deposits | 23,293,000 | 24,172,000 | 23,542,000 | 29,199,000 |
| Equity capital | 149,593,000 | 151,135,000 | 152,679,000 | 155,655,000 |
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 | 5,283,000 | 10,625,000 | 16,071,000 | 21,526,000 |
| Interest expense | 1,158,000 | 2,337,000 | 3,506,000 | 4,673,000 |
| Net interest income | 4,125,000 | 8,288,000 | 12,565,000 | 16,853,000 |
| Noninterest income | 724,000 | 1,449,000 | 2,187,000 | 2,890,000 |
| Noninterest expense | 3,391,000 | 6,834,000 | 10,302,000 | 13,881,000 |
| Provision for loan losses | 120,000 | 240,000 | 390,000 | 540,000 |
| Pretax income | 1,338,000 | 2,735,000 | 4,132,000 | 5,394,000 |
| Income tax | 329,000 | 683,000 | 1,031,000 | 1,332,000 |
| Net income | 1,009,000 | 2,052,000 | 3,101,000 | 4,062,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 145,625,000 | 147,035,000 | 148,312,000 | 149,539,000 |
| Total capital | 150,528,000 | 152,103,000 | 154,227,000 | 157,985,000 |
| Risk-weighted assets | 334,160,000 | 337,837,000 | 344,404,000 | 347,807,000 |