Call reports 2016
WORTHINGTON FEDERAL SAVINGS BANK, F.S.B. — 2016
What WORTHINGTON FEDERAL SAVINGS BANK, F.S.B. 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 | 75,293,000 | 74,053,000 | 73,923,000 | 74,263,000 |
| Total loans | 46,465,000 | 46,513,000 | 46,953,000 | 48,280,000 |
| Allowance for loan losses | 170,000 | 173,000 | 176,000 | 179,000 |
| Securities available for sale | 382,000 | 383,000 | 382,000 | 382,000 |
| Securities held to maturity | 10,820,000 | 11,597,000 | 11,259,000 | 11,533,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,345,000 | 62,710,000 | 62,606,000 | 62,855,000 |
| Interest-bearing deposits | 62,458,000 | 60,737,000 | 60,326,000 | 60,527,000 |
| Noninterest-bearing deposits | 1,887,000 | 1,973,000 | 2,280,000 | 2,328,000 |
| Equity capital | 10,544,000 | 10,669,000 | 10,801,000 | 10,928,000 |
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 | 606,000 | 1,229,000 | 1,850,000 | 2,474,000 |
| Interest expense | 80,000 | 160,000 | 240,000 | 319,000 |
| Net interest income | 526,000 | 1,069,000 | 1,610,000 | 2,155,000 |
| Noninterest income | 8,000 | 20,000 | 40,000 | 56,000 |
| Noninterest expense | 359,000 | 703,000 | 1,041,000 | 1,387,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 172,000 | 380,000 | 600,000 | 812,000 |
| Income tax | 66,000 | 147,000 | 235,000 | 319,000 |
| Net income | 106,000 | 233,000 | 365,000 | 493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,544,000 | 10,669,000 | 10,801,000 | 10,928,000 |
| Total capital | 10,714,000 | 10,842,000 | 10,977,000 | 11,107,000 |
| Risk-weighted assets | 26,498,000 | 28,081,000 | 28,389,000 | 28,797,000 |