Call reports 2016
PILOT GROVE SAVINGS BANK — 2016
What PILOT GROVE SAVINGS 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 | 574,375,000 | 570,950,000 | 575,121,000 | 586,269,000 |
| Total loans | 449,919,000 | 457,321,000 | 463,717,000 | 469,764,000 |
| Allowance for loan losses | 6,545,000 | 6,402,000 | 6,482,000 | 6,990,000 |
| Securities available for sale | 94,426,000 | 85,818,000 | 80,229,000 | 75,713,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 496,819,000 | 496,815,000 | 504,496,000 | 526,915,000 |
| Interest-bearing deposits | 419,245,000 | 419,897,000 | 425,544,000 | 430,224,000 |
| Noninterest-bearing deposits | 77,574,000 | 76,918,000 | 78,952,000 | 96,691,000 |
| Equity capital | 54,491,000 | 55,242,000 | 53,792,000 | 54,348,000 |
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 | 5,738,000 | 11,583,000 | 17,400,000 | 23,216,000 |
| Interest expense | 861,000 | 1,766,000 | 2,616,000 | 3,445,000 |
| Net interest income | 4,877,000 | 9,817,000 | 14,784,000 | 19,771,000 |
| Noninterest income | 693,000 | 1,436,000 | 2,144,000 | 2,870,000 |
| Noninterest expense | 2,903,000 | 5,839,000 | 8,935,000 | 11,709,000 |
| Provision for loan losses | 0 | 0 | 300,000 | 1,300,000 |
| Pretax income | 2,669,000 | 5,487,000 | 7,739,000 | 9,710,000 |
| Income tax | 90,000 | 262,000 | 386,000 | 465,000 |
| Net income | 2,579,000 | 5,225,000 | 7,353,000 | 9,245,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,772,000 | 46,458,000 | 45,000,000 | 46,353,000 |
| Total capital | 51,473,000 | 52,181,000 | 50,747,000 | 52,171,000 |
| Risk-weighted assets | 455,233,000 | 457,189,000 | 458,994,000 | 464,269,000 |