Call reports 2016
PAVILLION BANK — 2016
What PAVILLION 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 | 83,316,000 | 72,367,000 | 76,818,000 | 73,865,000 |
| Total loans | 52,217,000 | 48,870,000 | 48,504,000 | 46,515,000 |
| Allowance for loan losses | 681,000 | 621,000 | 615,000 | 547,000 |
| Securities available for sale | 6,876,000 | 6,914,000 | 6,837,000 | 6,640,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,654,000 | 61,684,000 | 66,251,000 | 63,495,000 |
| Interest-bearing deposits | 51,471,000 | 42,335,000 | 44,043,000 | 43,040,000 |
| Noninterest-bearing deposits | 20,183,000 | 19,349,000 | 22,208,000 | 20,455,000 |
| Equity capital | 10,415,000 | 10,398,000 | 10,239,000 | 10,120,000 |
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 | 853,000 | 1,601,000 | 2,342,000 | 3,064,000 |
| Interest expense | 64,000 | 124,000 | 171,000 | 217,000 |
| Net interest income | 789,000 | 1,477,000 | 2,171,000 | 2,847,000 |
| Noninterest income | 287,000 | 385,000 | 432,000 | 517,000 |
| Noninterest expense | 567,000 | 1,121,000 | 1,671,000 | 2,242,000 |
| Provision for loan losses | 0 | -60,000 | -60,000 | -60,000 |
| Pretax income | 509,000 | 801,000 | 992,000 | 1,182,000 |
| Income tax | 102,000 | 209,000 | 283,000 | 345,000 |
| Net income | 407,000 | 592,000 | 709,000 | 837,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,253,000 | 10,203,000 | 10,085,000 | 10,088,000 |
| Total capital | 10,890,000 | 10,798,000 | 10,682,000 | 10,642,000 |
| Risk-weighted assets | 50,971,000 | 47,627,000 | 47,755,000 | 46,403,000 |