Call reports 2016
POLONIA BANK — 2016
What POLONIA 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 | 287,819,000 | 284,258,000 | 275,744,000 | 267,279,000 |
| Total loans | 171,194,000 | 169,420,000 | 164,892,000 | 163,582,000 |
| Allowance for loan losses | 1,245,000 | 1,245,000 | 1,002,000 | 1,002,000 |
| Securities available for sale | 56,040,000 | 59,017,000 | 68,072,000 | 64,362,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,956,000 | 189,328,000 | 176,231,000 | 173,942,000 |
| Interest-bearing deposits | 186,509,000 | 183,209,000 | 169,690,000 | 166,099,000 |
| Noninterest-bearing deposits | 6,447,000 | 6,119,000 | 6,541,000 | 7,843,000 |
| Equity capital | 32,532,000 | 32,426,000 | 32,041,000 | 29,351,000 |
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 | 2,353,000 | 4,621,000 | 6,834,000 | 9,009,000 |
| Interest expense | 772,000 | 1,526,000 | 2,234,000 | 2,912,000 |
| Net interest income | 1,581,000 | 3,095,000 | 4,600,000 | 6,097,000 |
| Noninterest income | -3,000 | 12,000 | 94,000 | 30,000 |
| Noninterest expense | 2,194,000 | 4,117,000 | 6,082,000 | 10,181,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -365,000 | -368,000 | -671,000 | -3,339,000 |
| Income tax | -122,000 | -121,000 | -223,000 | -1,069,000 |
| Net income | -243,000 | -247,000 | -448,000 | -2,270,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,998,000 | 31,995,000 | 31,793,000 | 29,971,000 |
| Total capital | 33,261,000 | 33,262,000 | 32,822,000 | 30,997,000 |
| Risk-weighted assets | 133,950,000 | 133,317,000 | 130,674,000 | 133,364,000 |