Call reports 2016
SANBORN SAVINGS BANK — 2016
What SANBORN 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 | 61,333,000 | 64,485,000 | 63,219,000 | 61,773,000 |
| Total loans | 45,898,000 | 48,313,000 | 47,740,000 | 45,445,000 |
| Allowance for loan losses | 436,000 | 457,000 | 477,000 | 458,000 |
| Securities available for sale | 9,213,000 | 8,951,000 | 8,563,000 | 10,144,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,645,000 | 46,278,000 | 47,456,000 | 50,573,000 |
| Interest-bearing deposits | 42,690,000 | 42,478,000 | 40,194,000 | 45,565,000 |
| Noninterest-bearing deposits | 3,955,000 | 3,800,000 | 7,262,000 | 5,008,000 |
| Equity capital | 6,663,000 | 6,740,000 | 6,764,000 | 6,634,000 |
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 | 560,000 | 1,138,000 | 1,728,000 | 2,291,000 |
| Interest expense | 70,000 | 143,000 | 218,000 | 288,000 |
| Net interest income | 490,000 | 995,000 | 1,510,000 | 2,003,000 |
| Noninterest income | 32,000 | 66,000 | 100,000 | 134,000 |
| Noninterest expense | 313,000 | 630,000 | 941,000 | 1,286,000 |
| Provision for loan losses | 11,000 | 31,000 | 52,000 | 72,000 |
| Pretax income | 201,000 | 403,000 | 620,000 | 782,000 |
| Income tax | 9,000 | 19,000 | 28,000 | 39,000 |
| Net income | 192,000 | 384,000 | 592,000 | 743,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,312,000 | 6,369,000 | 6,426,000 | 6,428,000 |
| Total capital | 6,748,000 | 6,826,000 | 6,903,000 | 6,886,000 |
| Risk-weighted assets | 46,088,000 | 48,886,000 | 47,914,000 | 45,601,000 |