Call reports 2016
SMALL BUSINESS BANK — 2016
What SMALL BUSINESS 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 | 97,486,000 | 95,810,000 | 88,057,000 | 83,677,000 |
| Total loans | 53,943,000 | 54,642,000 | 54,631,000 | 53,746,000 |
| Allowance for loan losses | 897,000 | 860,000 | 856,000 | 880,000 |
| Securities available for sale | 33,447,000 | 30,835,000 | 24,926,000 | 23,233,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,316,000 | 81,281,000 | 73,580,000 | 65,516,000 |
| Interest-bearing deposits | 47,851,000 | 46,224,000 | 39,277,000 | 33,049,000 |
| Noninterest-bearing deposits | 35,465,000 | 35,057,000 | 34,303,000 | 32,467,000 |
| Equity capital | 9,398,000 | 9,671,000 | 9,601,000 | 8,974,000 |
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 | 823,000 | 1,628,000 | 2,384,000 | 3,089,000 |
| Interest expense | 89,000 | 175,000 | 260,000 | 339,000 |
| Net interest income | 734,000 | 1,453,000 | 2,124,000 | 2,750,000 |
| Noninterest income | 168,000 | 340,000 | 524,000 | 662,000 |
| Noninterest expense | 804,000 | 1,643,000 | 2,463,000 | 3,206,000 |
| Provision for loan losses | 16,000 | 23,000 | 41,000 | 342,000 |
| Pretax income | 99,000 | 231,000 | 368,000 | 88,000 |
| Income tax | 24,000 | 56,000 | 86,000 | -58,000 |
| Net income | 75,000 | 175,000 | 282,000 | 146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,113,000 | 9,213,000 | 9,320,000 | 9,183,000 |
| Total capital | 9,924,000 | 10,014,000 | 10,109,000 | 9,918,000 |
| Risk-weighted assets | 64,822,000 | 64,097,000 | 63,108,000 | 58,709,000 |