Call reports 2016
TSB BANK — 2016
What TSB 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 | 116,207,000 | 114,772,000 | 114,703,000 | 122,033,000 |
| Total loans | 84,287,000 | 88,801,000 | 89,639,000 | 93,798,000 |
| Allowance for loan losses | 963,000 | 1,012,000 | 1,011,000 | 1,042,000 |
| Securities available for sale | 3,772,000 | 3,793,000 | 3,596,000 | 3,247,000 |
| Securities held to maturity | 16,075,000 | 16,083,000 | 16,089,000 | 16,097,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,128,000 | 102,408,000 | 101,977,000 | 109,189,000 |
| Interest-bearing deposits | 83,704,000 | 82,126,000 | 81,409,000 | 85,587,000 |
| Noninterest-bearing deposits | 20,424,000 | 20,282,000 | 20,568,000 | 23,602,000 |
| Equity capital | 11,803,000 | 12,039,000 | 12,361,000 | 12,569,000 |
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 | 1,151,000 | 2,304,000 | 3,482,000 | 4,705,000 |
| Interest expense | 145,000 | 285,000 | 427,000 | 566,000 |
| Net interest income | 1,006,000 | 2,019,000 | 3,055,000 | 4,139,000 |
| Noninterest income | 54,000 | 135,000 | 278,000 | 351,000 |
| Noninterest expense | 683,000 | 1,441,000 | 2,169,000 | 2,934,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 80,000 |
| Pretax income | 391,000 | 677,000 | 1,128,000 | 1,490,000 |
| Income tax | 105,000 | 185,000 | 326,000 | 464,000 |
| Net income | 286,000 | 492,000 | 802,000 | 1,026,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,143,000 | 12,349,000 | 12,659,000 | 12,883,000 |
| Total capital | 13,106,000 | 13,361,000 | 13,671,000 | 13,925,000 |
| Risk-weighted assets | 87,357,000 | 90,455,000 | 93,289,000 | 98,172,000 |