Call reports 2016
PASSUMPSIC SAVINGS BANK — 2016
What PASSUMPSIC 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 | 602,117,000 | 616,925,000 | 662,802,000 | 652,565,000 |
| Total loans | 459,991,000 | 483,050,000 | 519,411,000 | 506,327,000 |
| Allowance for loan losses | 4,662,000 | 4,748,000 | 5,202,000 | 5,664,000 |
| Securities available for sale | 67,588,000 | 63,460,000 | 59,804,000 | 56,786,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 499,410,000 | 492,530,000 | 528,666,000 | 532,653,000 |
| Interest-bearing deposits | 63,168,000 | 67,794,000 | 73,435,000 | 81,753,000 |
| Noninterest-bearing deposits | 436,242,000 | 424,736,000 | 455,231,000 | 450,900,000 |
| Equity capital | 70,397,000 | 71,256,000 | 72,122,000 | 72,039,000 |
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 | 5,157,000 | 10,632,000 | 16,069,000 | 21,923,000 |
| Interest expense | 626,000 | 1,276,000 | 1,911,000 | 2,598,000 |
| Net interest income | 4,531,000 | 9,356,000 | 14,158,000 | 19,325,000 |
| Noninterest income | 1,357,000 | 2,958,000 | 4,805,000 | 6,643,000 |
| Noninterest expense | 5,383,000 | 10,894,000 | 16,373,000 | 22,611,000 |
| Provision for loan losses | 300,000 | 600,000 | 1,200,000 | 2,060,000 |
| Pretax income | 594,000 | 1,360,000 | 2,408,000 | 2,228,000 |
| Income tax | 0 | 0 | 0 | -600,000 |
| Net income | 594,000 | 1,360,000 | 2,408,000 | 2,828,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,777,000 | 55,443,000 | 56,413,000 | 56,639,000 |
| Total capital | 59,439,000 | 60,191,000 | 61,615,000 | 62,072,000 |
| Risk-weighted assets | 412,185,000 | 426,446,000 | 450,333,000 | 431,285,000 |