Call reports 2016
PICKENS SAVINGS AND LOAN ASSOCIATION, FEDERAL ASSOCIATION — 2016
What PICKENS SAVINGS AND LOAN ASSOCIATION, FEDERAL ASSOCIATION 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 | 91,505,000 | 92,625,000 | 91,941,000 | 92,485,000 |
| Total loans | 55,180,000 | 56,222,000 | 55,673,000 | 55,509,000 |
| Allowance for loan losses | 1,000,000 | 1,000,000 | 1,002,000 | 975,000 |
| Securities available for sale | 21,059,000 | 21,036,000 | 21,086,000 | 22,232,000 |
| Securities held to maturity | 2,257,000 | 2,254,000 | 2,252,000 | 2,250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,704,000 | 73,647,000 | 72,930,000 | 73,652,000 |
| Interest-bearing deposits | 71,029,000 | 71,516,000 | 70,385,000 | 71,151,000 |
| Noninterest-bearing deposits | 1,675,000 | 2,131,000 | 2,545,000 | 2,501,000 |
| Equity capital | 9,937,000 | 10,117,000 | 10,140,000 | 9,969,000 |
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 | 866,000 | 1,730,000 | 2,569,000 | 3,407,000 |
| Interest expense | 113,000 | 219,000 | 325,000 | 428,000 |
| Net interest income | 753,000 | 1,511,000 | 2,244,000 | 2,979,000 |
| Noninterest income | 50,000 | 99,000 | 159,000 | 222,000 |
| Noninterest expense | 682,000 | 1,355,000 | 2,029,000 | 2,694,000 |
| Provision for loan losses | -12,000 | -12,000 | -10,000 | -12,000 |
| Pretax income | 133,000 | 267,000 | 384,000 | 519,000 |
| Income tax | 17,000 | 33,000 | 48,000 | 57,000 |
| Net income | 116,000 | 234,000 | 336,000 | 462,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,626,000 | 9,625,000 | 9,726,000 | 9,841,000 |
| Total capital | 10,267,000 | 10,273,000 | 10,369,000 | 10,485,000 |
| Risk-weighted assets | 50,897,000 | 51,481,000 | 51,084,000 | 51,127,000 |