Call reports 2016
DEARBORN FEDERAL SAVINGS BANK — 2016
What DEARBORN FEDERAL 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 | 266,322,000 | 268,040,000 | 261,305,000 | 263,690,000 |
| Total loans | 198,131,000 | 196,314,000 | 194,856,000 | 192,202,000 |
| Allowance for loan losses | 6,281,000 | 6,010,000 | 5,756,000 | 5,259,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 13,281,000 | 11,865,000 | 10,240,000 | 12,728,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,838,000 | 186,984,000 | 181,928,000 | 184,193,000 |
| Interest-bearing deposits | 176,841,000 | 177,299,000 | 171,742,000 | 174,717,000 |
| Noninterest-bearing deposits | 8,997,000 | 9,685,000 | 10,186,000 | 9,476,000 |
| Equity capital | 70,442,000 | 70,984,000 | 71,489,000 | 72,043,000 |
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 | 2,380,000 | 4,714,000 | 6,946,000 | 9,089,000 |
| Interest expense | 191,000 | 382,000 | 573,000 | 756,000 |
| Net interest income | 2,189,000 | 4,332,000 | 6,373,000 | 8,333,000 |
| Noninterest income | 40,000 | 102,000 | 132,000 | 248,000 |
| Noninterest expense | 1,584,000 | 3,176,000 | 4,689,000 | 6,412,000 |
| Provision for loan losses | -240,000 | -500,000 | -750,000 | -1,250,000 |
| Pretax income | 885,000 | 1,758,000 | 2,566,000 | 3,419,000 |
| Income tax | 340,000 | 671,000 | 974,000 | 1,274,000 |
| Net income | 545,000 | 1,087,000 | 1,592,000 | 2,145,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,442,000 | 70,984,000 | 71,489,000 | 72,043,000 |
| Total capital | 72,203,000 | 72,714,000 | 73,213,000 | 73,751,000 |
| Risk-weighted assets | 136,381,000 | 134,177,000 | 133,916,000 | 133,112,000 |