Call reports 2016
NEW ALBIN SAVINGS BANK — 2016
What NEW ALBIN 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 | 223,273,000 | 226,376,000 | 220,380,000 | 213,454,000 |
| Total loans | 62,948,000 | 64,700,000 | 65,044,000 | 64,151,000 |
| Allowance for loan losses | 749,000 | 863,000 | 842,000 | 843,000 |
| Securities available for sale | 156,627,000 | 158,447,000 | 151,687,000 | 146,253,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,883,000 | 170,797,000 | 168,110,000 | 168,922,000 |
| Interest-bearing deposits | 161,276,000 | 160,963,000 | 157,801,000 | 157,157,000 |
| Noninterest-bearing deposits | 9,607,000 | 9,834,000 | 10,309,000 | 11,765,000 |
| Equity capital | 39,533,000 | 40,252,000 | 40,339,000 | 38,555,000 |
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 | 1,637,000 | 3,314,000 | 4,977,000 | 6,632,000 |
| Interest expense | 368,000 | 749,000 | 1,128,000 | 1,497,000 |
| Net interest income | 1,269,000 | 2,565,000 | 3,849,000 | 5,135,000 |
| Noninterest income | 19,000 | 38,000 | 63,000 | 80,000 |
| Noninterest expense | 359,000 | 707,000 | 1,112,000 | 1,523,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 929,000 | 1,896,000 | 2,801,000 | 3,693,000 |
| Income tax | 102,000 | 221,000 | 317,000 | 408,000 |
| Net income | 827,000 | 1,675,000 | 2,484,000 | 3,285,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,477,000 | 36,325,000 | 37,134,000 | 37,109,000 |
| Total capital | 37,226,000 | 37,188,000 | 37,976,000 | 37,952,000 |
| Risk-weighted assets | 69,995,000 | 71,179,000 | 71,489,000 | 70,745,000 |