Call reports 2016
SLOVENIAN SAVINGS & LOAN ASSOCIATION OF FRANKLIN-CONEMAUGH — 2016
What SLOVENIAN SAVINGS & LOAN ASSOCIATION OF FRANKLIN-CONEMAUGH 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 | 131,561,000 | 130,858,000 | 130,521,000 | 132,975,000 |
| Total loans | 72,563,000 | 71,825,000 | 71,510,000 | 71,566,000 |
| Allowance for loan losses | 424,000 | 429,000 | 424,000 | 401,000 |
| Securities available for sale | 7,000 | 10,000 | 9,000 | 20,000 |
| Securities held to maturity | 35,539,000 | 34,052,000 | 34,991,000 | 35,212,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,305,000 | 114,411,000 | 114,013,000 | 116,351,000 |
| Interest-bearing deposits | 112,938,000 | 112,026,000 | 111,372,000 | 113,718,000 |
| Noninterest-bearing deposits | 2,367,000 | 2,385,000 | 2,641,000 | 2,633,000 |
| Equity capital | 14,908,000 | 15,053,000 | 15,186,000 | 15,493,000 |
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 | 1,044,000 | 2,078,000 | 3,100,000 | 4,079,000 |
| Interest expense | 171,000 | 335,000 | 499,000 | 671,000 |
| Net interest income | 873,000 | 1,743,000 | 2,601,000 | 3,408,000 |
| Noninterest income | 142,000 | 284,000 | 404,000 | 590,000 |
| Noninterest expense | 830,000 | 1,637,000 | 2,430,000 | 3,225,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 75,000 |
| Pretax income | 170,000 | 360,000 | 530,000 | 698,000 |
| Income tax | 41,000 | 88,000 | 124,000 | 66,000 |
| Net income | 129,000 | 272,000 | 406,000 | 632,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,277,000 | 15,422,000 | 15,556,000 | 15,780,000 |
| Total capital | 15,718,000 | 15,876,000 | 16,007,000 | 16,212,000 |
| Risk-weighted assets | 61,166,000 | 60,874,000 | 61,312,000 | 61,767,000 |