Call reports 2016
BANK OF HOLLAND — 2016
What BANK OF HOLLAND 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 | 98,671,000 | 99,624,000 | 112,568,000 | 111,615,000 |
| Total loans | 65,588,000 | 65,626,000 | 68,911,000 | 70,284,000 |
| Allowance for loan losses | 875,000 | 900,000 | 900,000 | 900,000 |
| Securities available for sale | 20,330,000 | 21,656,000 | 23,677,000 | 29,761,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,383,000 | 90,016,000 | 102,970,000 | 102,789,000 |
| Interest-bearing deposits | 66,903,000 | 67,859,000 | 73,824,000 | 75,031,000 |
| Noninterest-bearing deposits | 22,480,000 | 22,157,000 | 29,146,000 | 27,758,000 |
| Equity capital | 9,004,000 | 9,266,000 | 9,283,000 | 8,653,000 |
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 | 954,000 | 1,902,000 | 2,882,000 | 3,916,000 |
| Interest expense | 77,000 | 157,000 | 242,000 | 336,000 |
| Net interest income | 877,000 | 1,745,000 | 2,640,000 | 3,580,000 |
| Noninterest income | 174,000 | 334,000 | 599,000 | 772,000 |
| Noninterest expense | 848,000 | 1,695,000 | 2,622,000 | 3,547,000 |
| Provision for loan losses | 22,000 | 47,000 | 57,000 | 62,000 |
| Pretax income | 182,000 | 338,000 | 561,000 | 744,000 |
| Income tax | 17,000 | 39,000 | 50,000 | 102,000 |
| Net income | 165,000 | 299,000 | 511,000 | 642,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,904,000 | 9,039,000 | 9,167,000 | 9,298,000 |
| Total capital | 9,695,000 | 9,833,000 | 10,013,000 | 10,152,000 |
| Risk-weighted assets | 63,162,000 | 63,415,000 | 67,630,000 | 68,291,000 |