Call reports 2016
EDGEWATER BANK — 2016
What EDGEWATER 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 | 135,901,000 | 143,767,000 | 154,081,000 | 152,212,000 |
| Total loans | 109,508,000 | 120,724,000 | 122,200,000 | 124,187,000 |
| Allowance for loan losses | 1,074,000 | 1,140,000 | 1,221,000 | 1,251,000 |
| Securities available for sale | 11,917,000 | 9,692,000 | 9,940,000 | 9,615,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,842,000 | 117,481,000 | 125,346,000 | 127,806,000 |
| Interest-bearing deposits | 101,178,000 | 101,922,000 | 109,545,000 | 111,590,000 |
| Noninterest-bearing deposits | 15,664,000 | 15,559,000 | 15,801,000 | 16,216,000 |
| Equity capital | 12,674,000 | 12,828,000 | 13,010,000 | 13,038,000 |
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 | 1,234,000 | 2,543,000 | 3,886,000 | 5,236,000 |
| Interest expense | 149,000 | 302,000 | 463,000 | 646,000 |
| Net interest income | 1,085,000 | 2,241,000 | 3,423,000 | 4,590,000 |
| Noninterest income | 158,000 | 377,000 | 686,000 | 876,000 |
| Noninterest expense | 1,221,000 | 2,414,000 | 3,633,000 | 4,810,000 |
| Provision for loan losses | 0 | 63,000 | 143,000 | 183,000 |
| Pretax income | 22,000 | 141,000 | 333,000 | 473,000 |
| Income tax | 2,000 | 3,000 | 5,000 | 23,000 |
| Net income | 20,000 | 138,000 | 328,000 | 450,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,650,000 | 12,768,000 | 12,958,000 | 13,080,000 |
| Total capital | 13,724,000 | 13,908,000 | 14,179,000 | 14,332,000 |
| Risk-weighted assets | 90,932,000 | 100,406,000 | 101,338,000 | 102,650,000 |