Call reports 2016
BANK OF DELIGHT — 2016
What BANK OF DELIGHT 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 | 95,047,000 | 99,028,000 | 100,038,000 | 105,927,000 |
| Total loans | 70,297,000 | 71,821,000 | 74,419,000 | 75,495,000 |
| Allowance for loan losses | 720,000 | 740,000 | 800,000 | 799,000 |
| Securities available for sale | 1,529,000 | 1,578,000 | 1,608,000 | 1,622,000 |
| Securities held to maturity | 11,232,000 | 11,076,000 | 11,637,000 | 9,958,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,960,000 | 71,317,000 | 72,517,000 | 79,149,000 |
| Interest-bearing deposits | 60,734,000 | 60,261,000 | 60,777,000 | 66,598,000 |
| Noninterest-bearing deposits | 11,226,000 | 11,056,000 | 11,740,000 | 12,551,000 |
| Equity capital | 17,943,000 | 18,197,000 | 18,439,000 | 18,124,000 |
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 | 934,000 | 1,911,000 | 2,952,000 | 4,006,000 |
| Interest expense | 137,000 | 282,000 | 441,000 | 621,000 |
| Net interest income | 797,000 | 1,629,000 | 2,511,000 | 3,385,000 |
| Noninterest income | 35,000 | 82,000 | 143,000 | 220,000 |
| Noninterest expense | 478,000 | 956,000 | 1,496,000 | 2,152,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 50,000 |
| Pretax income | 354,000 | 755,000 | 1,108,000 | 1,403,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 354,000 | 755,000 | 1,108,000 | 1,403,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,007,000 | 18,213,000 | 18,426,000 | 18,098,000 |
| Total capital | 18,727,000 | 18,953,000 | 19,226,000 | 18,897,000 |
| Risk-weighted assets | 74,312,000 | 77,347,000 | 79,634,000 | 80,512,000 |