Call reports 2016
SAVINGS INSTITUTE BANK AND TRUST COMPANY — 2016
What SAVINGS INSTITUTE BANK AND TRUST COMPANY 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 | 1,501,525,000 | 1,510,110,000 | 1,530,633,000 | 1,543,582,000 |
| Total loans | 1,169,875,000 | 1,169,786,000 | 1,218,927,000 | 1,233,717,000 |
| Allowance for loan losses | 10,133,000 | 10,643,000 | 11,471,000 | 11,820,000 |
| Securities available for sale | 176,283,000 | 183,257,000 | 165,838,000 | 154,554,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,102,313,000 | 1,123,437,000 | 1,141,389,000 | 1,145,767,000 |
| Interest-bearing deposits | 947,120,000 | 956,937,000 | 964,239,000 | 947,565,000 |
| Noninterest-bearing deposits | 155,193,000 | 166,500,000 | 177,150,000 | 198,202,000 |
| Equity capital | 151,884,000 | 154,158,000 | 155,553,000 | 155,470,000 |
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 | 12,615,000 | 25,267,000 | 37,944,000 | 50,820,000 |
| Interest expense | 2,465,000 | 4,978,000 | 7,513,000 | 10,057,000 |
| Net interest income | 10,150,000 | 20,289,000 | 30,431,000 | 40,763,000 |
| Noninterest income | 2,628,000 | 5,160,000 | 7,745,000 | 10,047,000 |
| Noninterest expense | 10,015,000 | 19,408,000 | 28,895,000 | 38,596,000 |
| Provision for loan losses | 311,000 | 893,000 | 1,773,000 | 2,190,000 |
| Pretax income | 2,452,000 | 5,148,000 | 7,563,000 | 10,079,000 |
| Income tax | 809,000 | 1,699,000 | 2,496,000 | 3,185,000 |
| Net income | 1,643,000 | 3,449,000 | 5,067,000 | 6,894,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 136,251,000 | 138,336,000 | 140,231,000 | 141,673,000 |
| Total capital | 146,853,000 | 149,468,000 | 152,167,000 | 153,945,000 |
| Risk-weighted assets | 943,573,000 | 952,089,000 | 981,628,000 | 999,501,000 |