Call reports 2016
FIFTH DISTRICT SAVINGS BANK — 2016
What FIFTH DISTRICT 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 | 400,197,000 | 402,661,000 | 401,986,000 | 402,988,000 |
| Total loans | 292,024,000 | 294,523,000 | 291,394,000 | 293,741,000 |
| Allowance for loan losses | 2,200,000 | 2,251,000 | 2,256,000 | 2,281,000 |
| Securities available for sale | 65,351,000 | 68,402,000 | 83,351,000 | 82,334,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 324,166,000 | 323,440,000 | 321,373,000 | 324,058,000 |
| Interest-bearing deposits | 320,052,000 | 319,235,000 | 315,836,000 | 318,403,000 |
| Noninterest-bearing deposits | 4,114,000 | 4,205,000 | 5,537,000 | 5,655,000 |
| Equity capital | 68,850,000 | 69,645,000 | 70,266,000 | 69,495,000 |
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 | 3,501,000 | 7,009,000 | 10,525,000 | 14,059,000 |
| Interest expense | 515,000 | 1,053,000 | 1,575,000 | 2,094,000 |
| Net interest income | 2,986,000 | 5,956,000 | 8,950,000 | 11,965,000 |
| Noninterest income | 98,000 | 205,000 | 308,000 | 419,000 |
| Noninterest expense | 2,254,000 | 4,391,000 | 6,537,000 | 8,675,000 |
| Provision for loan losses | 20,000 | 70,000 | 75,000 | 100,000 |
| Pretax income | 810,000 | 1,700,000 | 2,646,000 | 3,609,000 |
| Income tax | 270,000 | 562,000 | 877,000 | 1,192,000 |
| Net income | 540,000 | 1,138,000 | 1,769,000 | 2,417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,229,000 | 68,828,000 | 69,459,000 | 70,079,000 |
| Total capital | 70,429,000 | 71,079,000 | 71,715,000 | 72,360,000 |
| Risk-weighted assets | 191,324,000 | 192,818,000 | 193,653,000 | 189,447,000 |