Call reports 2016
STATE BANK OF PEARL CITY, THE — 2016
What STATE BANK OF PEARL CITY, 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 | 49,511,000 | 49,770,000 | 51,248,000 | 50,942,000 |
| Total loans | 28,813,000 | 29,744,000 | 30,522,000 | 30,885,000 |
| Allowance for loan losses | 261,000 | 283,000 | 300,000 | 296,000 |
| Securities available for sale | 14,043,000 | 14,029,000 | 12,855,000 | 12,201,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,543,000 | 42,593,000 | 45,022,000 | 45,178,000 |
| Interest-bearing deposits | 37,208,000 | 36,633,000 | 38,304,000 | 38,389,000 |
| Noninterest-bearing deposits | 6,335,000 | 5,960,000 | 6,718,000 | 6,789,000 |
| Equity capital | 5,815,000 | 5,992,000 | 6,032,000 | 5,620,000 |
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 | 575,000 | 1,150,000 | 1,736,000 | 2,329,000 |
| Interest expense | 58,000 | 122,000 | 191,000 | 264,000 |
| Net interest income | 517,000 | 1,028,000 | 1,545,000 | 2,065,000 |
| Noninterest income | 6,000 | 14,000 | -22,000 | -15,000 |
| Noninterest expense | 355,000 | 724,000 | 1,118,000 | 1,518,000 |
| Provision for loan losses | 15,000 | 30,000 | 40,000 | 40,000 |
| Pretax income | 153,000 | 288,000 | 365,000 | 492,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 153,000 | 288,000 | 365,000 | 492,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,558,000 | 5,637,000 | 5,658,000 | 5,676,000 |
| Total capital | 5,819,000 | 5,920,000 | 5,958,000 | 5,972,000 |
| Risk-weighted assets | 37,519,000 | 37,388,000 | 38,025,000 | 38,594,000 |