Call reports 2016
SILVER LAKE BANK — 2016
What SILVER LAKE 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 | 258,521,000 | 257,107,000 | 250,794,000 | 255,861,000 |
| Total loans | 147,937,000 | 148,196,000 | 148,263,000 | 149,094,000 |
| Allowance for loan losses | 2,350,000 | 2,365,000 | 1,607,000 | 1,609,000 |
| Securities available for sale | 72,138,000 | 76,124,000 | 74,609,000 | 83,568,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,633,000 | 181,033,000 | 172,842,000 | 192,084,000 |
| Interest-bearing deposits | 149,355,000 | 147,749,000 | 139,714,000 | 156,424,000 |
| Noninterest-bearing deposits | 32,278,000 | 33,284,000 | 33,128,000 | 35,660,000 |
| Equity capital | 29,753,000 | 29,356,000 | 30,089,000 | 29,475,000 |
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 | 2,082,000 | 4,151,000 | 6,232,000 | 8,355,000 |
| Interest expense | 329,000 | 658,000 | 998,000 | 1,339,000 |
| Net interest income | 1,753,000 | 3,493,000 | 5,234,000 | 7,016,000 |
| Noninterest income | 3,000 | 165,000 | 338,000 | 615,000 |
| Noninterest expense | 1,343,000 | 2,673,000 | 4,108,000 | 5,570,000 |
| Provision for loan losses | 0 | 0 | -750,000 | -744,000 |
| Pretax income | 639,000 | 1,243,000 | 2,472,000 | 3,063,000 |
| Income tax | 206,000 | 399,000 | 821,000 | 1,001,000 |
| Net income | 433,000 | 844,000 | 1,651,000 | 2,062,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,175,000 | 28,529,000 | 29,336,000 | 29,747,000 |
| Total capital | 31,089,000 | 30,474,000 | 30,943,000 | 31,356,000 |
| Risk-weighted assets | 152,725,000 | 155,196,000 | 154,807,000 | 156,080,000 |