Call reports 2016
FREEHOLD BANK — 2016
What FREEHOLD 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 | 303,505,000 | 300,845,000 | 306,423,000 | 314,578,000 |
| Total loans | 58,847,000 | 61,813,000 | 71,444,000 | 75,651,000 |
| Allowance for loan losses | 561,000 | 604,000 | 607,000 | 607,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 220,628,000 | 210,863,000 | 202,524,000 | 212,984,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,685,000 | 146,086,000 | 152,150,000 | 153,880,000 |
| Interest-bearing deposits | 148,699,000 | 141,902,000 | 147,381,000 | 149,438,000 |
| Noninterest-bearing deposits | 2,986,000 | 4,184,000 | 4,769,000 | 4,442,000 |
| Equity capital | 35,589,000 | 35,729,000 | 35,850,000 | 36,001,000 |
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 | 1,760,000 | 3,636,000 | 5,536,000 | 7,520,000 |
| Interest expense | 774,000 | 1,586,000 | 2,403,000 | 3,228,000 |
| Net interest income | 986,000 | 2,050,000 | 3,133,000 | 4,292,000 |
| Noninterest income | 89,000 | 186,000 | 273,000 | 367,000 |
| Noninterest expense | 975,000 | 1,946,000 | 2,953,000 | 3,995,000 |
| Provision for loan losses | -26,000 | -28,000 | -25,000 | -25,000 |
| Pretax income | 126,000 | 318,000 | 478,000 | 689,000 |
| Income tax | 25,000 | 77,000 | 116,000 | 176,000 |
| Net income | 101,000 | 241,000 | 362,000 | 513,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,589,000 | 35,729,000 | 35,850,000 | 36,001,000 |
| Total capital | 36,195,000 | 36,113,000 | 36,241,000 | 36,402,000 |
| Risk-weighted assets | 123,432,000 | 127,153,000 | 138,629,000 | 145,423,000 |