Call reports 2016
PLUS INTERNATIONAL BANK — 2016
What PLUS INTERNATIONAL 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 | 102,276,000 | 91,692,000 | 88,371,000 | 83,987,000 |
| Total loans | 43,660,000 | 51,522,000 | 54,359,000 | 53,697,000 |
| Allowance for loan losses | 493,000 | 911,000 | 943,000 | 960,000 |
| Securities available for sale | 32,961,000 | 25,746,000 | 20,479,000 | 17,365,000 |
| Securities held to maturity | 650,000 | 650,000 | 650,000 | 650,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,499,000 | 75,901,000 | 72,765,000 | 69,381,000 |
| Interest-bearing deposits | 72,927,000 | 63,358,000 | 60,488,000 | 57,535,000 |
| Noninterest-bearing deposits | 13,572,000 | 12,543,000 | 12,277,000 | 11,845,000 |
| Equity capital | 14,746,000 | 14,855,000 | 14,614,000 | 14,344,000 |
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 | 917,000 | 1,927,000 | 2,826,000 | 3,755,000 |
| Interest expense | 162,000 | 320,000 | 472,000 | 626,000 |
| Net interest income | 755,000 | 1,607,000 | 2,354,000 | 3,129,000 |
| Noninterest income | 40,000 | 93,000 | 136,000 | 170,000 |
| Noninterest expense | 953,000 | 1,880,000 | 2,848,000 | 3,781,000 |
| Provision for loan losses | 0 | 417,000 | 447,000 | 447,000 |
| Pretax income | -101,000 | -333,000 | -413,000 | -469,000 |
| Income tax | -149,000 | -358,000 | -288,000 | -319,000 |
| Net income | 48,000 | 25,000 | -125,000 | -150,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,634,000 | 14,611,000 | 14,461,000 | 14,435,000 |
| Total capital | 15,127,000 | 15,386,000 | 15,259,000 | 15,212,000 |
| Risk-weighted assets | 50,670,000 | 61,851,000 | 63,704,000 | 61,954,000 |