Call reports 2016
LAKE SUNAPEE BANK, FSB — 2016
What LAKE SUNAPEE BANK, FSB 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 | 1,562,561,000 | 1,591,585,000 | 1,583,444,000 | 1,552,939,000 |
| Total loans | 1,222,122,000 | 1,247,402,000 | 1,249,329,000 | 1,238,576,000 |
| Allowance for loan losses | 8,685,000 | 8,748,000 | 8,955,000 | 8,901,000 |
| Securities available for sale | 170,290,000 | 157,424,000 | 155,077,000 | 144,866,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,152,127,000 | 1,154,795,000 | 1,153,957,000 | 1,167,121,000 |
| Interest-bearing deposits | 1,095,709,000 | 1,088,225,000 | 1,090,406,000 | 1,105,652,000 |
| Noninterest-bearing deposits | 56,418,000 | 66,570,000 | 63,551,000 | 61,469,000 |
| Equity capital | 172,405,000 | 176,099,000 | 176,217,000 | 172,306,000 |
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 | 12,395,000 | 25,258,000 | 37,911,000 | 50,449,000 |
| Interest expense | 1,382,000 | 2,857,000 | 4,255,000 | 5,574,000 |
| Net interest income | 11,013,000 | 22,401,000 | 33,656,000 | 44,875,000 |
| Noninterest income | 5,419,000 | 9,211,000 | 14,123,000 | 18,596,000 |
| Noninterest expense | 12,030,000 | 23,144,000 | 34,449,000 | 46,924,000 |
| Provision for loan losses | 100,000 | 200,000 | 450,000 | 450,000 |
| Pretax income | 4,302,000 | 9,469,000 | 14,423,000 | 17,636,000 |
| Income tax | 1,434,000 | 3,028,000 | 4,688,000 | 5,659,000 |
| Net income | 2,868,000 | 6,441,000 | 9,735,000 | 11,977,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 130,523,000 | 134,246,000 | 134,685,000 | 134,065,000 |
| Total capital | 139,401,000 | 143,186,000 | 143,837,000 | 143,170,000 |
| Risk-weighted assets | 1,077,225,000 | 1,058,587,000 | 1,064,873,000 | 1,051,695,000 |