Call reports 2016
SAVINGS BANK, THE — 2016
What SAVINGS BANK, THE 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 | 535,340,000 | 529,371,000 | 539,083,000 | 538,040,000 |
| Total loans | 416,139,000 | 414,589,000 | 420,553,000 | 427,358,000 |
| Allowance for loan losses | 3,130,000 | 2,953,000 | 3,004,000 | 3,004,000 |
| Securities available for sale | 70,373,000 | 69,395,000 | 67,466,000 | 66,245,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 430,073,000 | 423,575,000 | 437,886,000 | 438,125,000 |
| Interest-bearing deposits | 349,934,000 | 340,489,000 | 351,474,000 | 353,238,000 |
| Noninterest-bearing deposits | 80,139,000 | 83,086,000 | 86,412,000 | 84,887,000 |
| Equity capital | 67,081,000 | 68,168,000 | 68,014,000 | 68,451,000 |
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 | 4,426,000 | 8,765,000 | 13,080,000 | 17,451,000 |
| Interest expense | 524,000 | 1,059,000 | 1,590,000 | 2,117,000 |
| Net interest income | 3,902,000 | 7,706,000 | 11,490,000 | 15,334,000 |
| Noninterest income | 1,262,000 | 2,613,000 | 3,928,000 | 5,476,000 |
| Noninterest expense | 4,633,000 | 9,278,000 | 13,870,000 | 18,196,000 |
| Provision for loan losses | -21,000 | -265,000 | -213,000 | -213,000 |
| Pretax income | 670,000 | 2,131,000 | 3,196,000 | 4,493,000 |
| Income tax | 207,000 | 713,000 | 1,042,000 | 1,419,000 |
| Net income | 463,000 | 1,418,000 | 2,154,000 | 3,074,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,360,000 | 59,340,000 | 60,068,000 | 60,991,000 |
| Total capital | 65,157,000 | 65,993,000 | 66,259,000 | 67,099,000 |
| Risk-weighted assets | 323,703,000 | 318,967,000 | 317,704,000 | 319,073,000 |