Call reports 2016
BREDA SAVINGS BANK — 2016
What BREDA 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 | 54,457,000 | 54,085,000 | 54,762,000 | 55,550,000 |
| Total loans | 25,301,000 | 25,336,000 | 25,082,000 | 25,865,000 |
| Allowance for loan losses | 451,000 | 453,000 | 508,000 | 509,000 |
| Securities available for sale | 26,157,000 | 27,023,000 | 26,567,000 | 27,537,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,929,000 | 33,022,000 | 35,885,000 | 37,141,000 |
| Interest-bearing deposits | 23,365,000 | 23,471,000 | 26,409,000 | 25,798,000 |
| Noninterest-bearing deposits | 10,564,000 | 9,551,000 | 9,477,000 | 11,343,000 |
| Equity capital | 7,498,000 | 7,907,000 | 7,955,000 | 6,662,000 |
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 | 552,000 | 1,071,000 | 1,537,000 | 1,954,000 |
| Interest expense | 42,000 | 87,000 | 135,000 | 185,000 |
| Net interest income | 510,000 | 984,000 | 1,402,000 | 1,769,000 |
| Noninterest income | 37,000 | 76,000 | 116,000 | 178,000 |
| Noninterest expense | 259,000 | 529,000 | 792,000 | 1,063,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 286,000 | 520,000 | 715,000 | 873,000 |
| Income tax | 9,000 | 29,000 | 40,000 | 50,000 |
| Net income | 277,000 | 491,000 | 675,000 | 823,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,315,000 | 7,529,000 | 7,714,000 | 7,041,000 |
| Total capital | 7,731,000 | 7,940,000 | 8,123,000 | 7,462,000 |
| Risk-weighted assets | 33,279,000 | 32,914,000 | 32,646,000 | 33,632,000 |