Call reports 2016
HAVANA NATIONAL BANK, THE — 2016
What HAVANA NATIONAL BANK, THE 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 | 227,260,000 | 231,152,000 | 229,976,000 | 231,522,000 |
| Total loans | 160,517,000 | 159,673,000 | 166,411,000 | 159,083,000 |
| Allowance for loan losses | 1,748,000 | 1,739,000 | 1,715,000 | 1,657,000 |
| Securities available for sale | 49,071,000 | 49,701,000 | 49,345,000 | 51,302,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,862,000 | 196,358,000 | 192,295,000 | 196,640,000 |
| Interest-bearing deposits | 165,908,000 | 175,465,000 | 171,021,000 | 166,999,000 |
| Noninterest-bearing deposits | 22,954,000 | 20,893,000 | 21,274,000 | 29,641,000 |
| Equity capital | 22,629,000 | 23,233,000 | 23,390,000 | 22,928,000 |
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 | 2,093,000 | 4,256,000 | 6,470,000 | 8,644,000 |
| Interest expense | 297,000 | 596,000 | 900,000 | 1,200,000 |
| Net interest income | 1,796,000 | 3,660,000 | 5,570,000 | 7,444,000 |
| Noninterest income | 471,000 | 787,000 | 1,120,000 | 1,567,000 |
| Noninterest expense | 1,237,000 | 2,482,000 | 3,754,000 | 5,029,000 |
| Provision for loan losses | 0 | 30,000 | 75,000 | 180,000 |
| Pretax income | 1,033,000 | 1,938,000 | 2,873,000 | 3,814,000 |
| Income tax | 335,000 | 615,000 | 905,000 | 1,199,000 |
| Net income | 698,000 | 1,323,000 | 1,968,000 | 2,615,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,558,000 | 21,862,000 | 22,165,000 | 22,818,000 |
| Total capital | 23,306,000 | 23,601,000 | 23,880,000 | 24,475,000 |
| Risk-weighted assets | 184,541,000 | 184,985,000 | 194,154,000 | 185,928,000 |