Call reports 2016
PAPER CITY SAVINGS BANK, S.A. — 2016
What PAPER CITY SAVINGS BANK, S.A. 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 | 161,349,000 | 158,875,000 | 161,104,000 | 159,090,000 |
| Total loans | 124,607,000 | 126,487,000 | 125,291,000 | 129,028,000 |
| Allowance for loan losses | 541,000 | 545,000 | 560,000 | 552,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,629,000 | 2,404,000 | 2,503,000 | 2,503,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,821,000 | 139,056,000 | 140,903,000 | 138,558,000 |
| Interest-bearing deposits | 136,220,000 | 132,851,000 | 133,744,000 | 132,009,000 |
| Noninterest-bearing deposits | 5,601,000 | 6,205,000 | 7,159,000 | 6,549,000 |
| Equity capital | 18,889,000 | 19,154,000 | 19,433,000 | 19,678,000 |
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 | 1,308,000 | 2,628,000 | 3,954,000 | 5,296,000 |
| Interest expense | 198,000 | 394,000 | 589,000 | 784,000 |
| Net interest income | 1,110,000 | 2,234,000 | 3,365,000 | 4,512,000 |
| Noninterest income | 253,000 | 575,000 | 968,000 | 1,244,000 |
| Noninterest expense | 992,000 | 1,998,000 | 3,040,000 | 4,043,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 25,000 |
| Pretax income | 371,000 | 811,000 | 1,278,000 | 1,688,000 |
| Income tax | 150,000 | 325,000 | 513,000 | 678,000 |
| Net income | 221,000 | 486,000 | 765,000 | 1,010,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,889,000 | 19,154,000 | 19,433,000 | 19,672,000 |
| Total capital | 19,430,000 | 19,699,000 | 19,993,000 | 20,224,000 |
| Risk-weighted assets | 88,888,000 | 89,625,000 | 87,548,000 | 89,917,000 |