Call reports 2016
CARVER STATE BANK — 2016
What CARVER STATE 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 | 40,368,000 | 39,810,000 | 39,739,000 | 39,030,000 |
| Total loans | 24,034,000 | 23,557,000 | 24,261,000 | 24,828,000 |
| Allowance for loan losses | 421,000 | 422,000 | 422,000 | 382,000 |
| Securities available for sale | 4,290,000 | 4,302,000 | 3,302,000 | 3,292,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,957,000 | 33,456,000 | 33,488,000 | 32,811,000 |
| Interest-bearing deposits | 29,107,000 | 28,946,000 | 28,805,000 | 28,145,000 |
| Noninterest-bearing deposits | 4,850,000 | 4,511,000 | 4,684,000 | 4,665,000 |
| Equity capital | 3,811,000 | 3,755,000 | 3,651,000 | 3,590,000 |
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 | 482,000 | 931,000 | 1,399,000 | 1,962,000 |
| Interest expense | 46,000 | 96,000 | 152,000 | 206,000 |
| Net interest income | 436,000 | 835,000 | 1,247,000 | 1,756,000 |
| Noninterest income | 35,000 | 109,000 | 114,000 | 182,000 |
| Noninterest expense | 533,000 | 1,107,000 | 1,666,000 | 2,317,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -62,000 | -163,000 | -305,000 | -379,000 |
| Income tax | 0 | -42,000 | -79,000 | -98,000 |
| Net income | -62,000 | -121,000 | -226,000 | -281,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,811,000 | 3,755,000 | 3,651,000 | 3,590,000 |
| Total capital | 4,153,000 | 4,093,000 | 3,992,000 | 3,939,000 |
| Risk-weighted assets | 27,332,000 | 26,997,000 | 27,207,000 | 27,931,000 |