Call reports 2016
BANK OF ERATH — 2016
What BANK OF ERATH 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 | 100,407,000 | 104,214,000 | 101,794,000 | 102,354,000 |
| Total loans | 66,803,000 | 68,968,000 | 68,185,000 | 66,816,000 |
| Allowance for loan losses | 662,000 | 657,000 | 374,000 | 475,000 |
| Securities available for sale | 18,740,000 | 17,938,000 | 17,705,000 | 16,424,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,824,000 | 90,160,000 | 87,595,000 | 88,785,000 |
| Interest-bearing deposits | 57,181,000 | 57,030,000 | 56,181,000 | 55,870,000 |
| Noninterest-bearing deposits | 29,643,000 | 33,130,000 | 31,414,000 | 32,915,000 |
| Equity capital | 13,239,000 | 13,518,000 | 13,566,000 | 13,294,000 |
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 | 1,028,000 | 2,041,000 | 3,095,000 | 4,130,000 |
| Interest expense | 65,000 | 135,000 | 207,000 | 279,000 |
| Net interest income | 963,000 | 1,906,000 | 2,888,000 | 3,851,000 |
| Noninterest income | 119,000 | 252,000 | 404,000 | 510,000 |
| Noninterest expense | 883,000 | 1,715,000 | 2,601,000 | 3,615,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 200,000 |
| Pretax income | 199,000 | 443,000 | 591,000 | 546,000 |
| Income tax | 51,000 | 111,000 | 146,000 | 108,000 |
| Net income | 148,000 | 332,000 | 445,000 | 438,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,898,000 | 13,082,000 | 13,195,000 | 13,188,000 |
| Total capital | 13,560,000 | 13,739,000 | 13,569,000 | 13,663,000 |
| Risk-weighted assets | 68,591,000 | 69,621,000 | 69,250,000 | 70,043,000 |