Call reports 2016
OTTOVILLE BANK COMPANY, THE — 2016
What OTTOVILLE BANK COMPANY, 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 | 84,938,000 | 85,387,000 | 84,916,000 | 82,674,000 |
| Total loans | 42,886,000 | 44,299,000 | 44,908,000 | 43,512,000 |
| Allowance for loan losses | 660,000 | 645,000 | 661,000 | 676,000 |
| Securities available for sale | 32,882,000 | 31,840,000 | 30,185,000 | 28,760,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,886,000 | 62,979,000 | 63,009,000 | 61,623,000 |
| Interest-bearing deposits | 53,547,000 | 54,652,000 | 54,093,000 | 51,939,000 |
| Noninterest-bearing deposits | 8,339,000 | 8,327,000 | 8,916,000 | 9,684,000 |
| Equity capital | 16,245,000 | 16,473,000 | 16,541,000 | 15,765,000 |
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 | 740,000 | 1,489,000 | 2,231,000 | 2,967,000 |
| Interest expense | 67,000 | 135,000 | 203,000 | 268,000 |
| Net interest income | 673,000 | 1,354,000 | 2,028,000 | 2,699,000 |
| Noninterest income | 48,000 | 100,000 | 126,000 | 178,000 |
| Noninterest expense | 418,000 | 822,000 | 1,225,000 | 1,640,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 290,000 | 604,000 | 892,000 | 1,186,000 |
| Income tax | 31,000 | 67,000 | 116,000 | 164,000 |
| Net income | 259,000 | 537,000 | 776,000 | 1,022,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,823,000 | 15,779,000 | 16,018,000 | 15,973,000 |
| Total capital | 16,459,000 | 16,424,000 | 16,672,000 | 16,613,000 |
| Risk-weighted assets | 50,923,000 | 52,363,000 | 52,398,000 | 51,224,000 |