Call reports 2016
DEARBORN SAVINGS BANK — 2016
What DEARBORN 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 | 114,500,000 | 125,147,000 | 125,107,000 | 126,650,000 |
| Total loans | 88,367,000 | 91,477,000 | 92,596,000 | 91,118,000 |
| Allowance for loan losses | 843,000 | 843,000 | 843,000 | 843,000 |
| Securities available for sale | 5,117,000 | 5,124,000 | 4,970,000 | 4,851,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,836,000 | 98,264,000 | 97,865,000 | 99,122,000 |
| Interest-bearing deposits | 87,627,000 | 94,152,000 | 92,314,000 | 92,966,000 |
| Noninterest-bearing deposits | 5,209,000 | 4,112,000 | 5,551,000 | 6,156,000 |
| Equity capital | 16,651,000 | 16,842,000 | 17,057,000 | 15,227,000 |
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 | 1,011,000 | 2,022,000 | 3,056,000 | 4,091,000 |
| Interest expense | 160,000 | 324,000 | 505,000 | 688,000 |
| Net interest income | 851,000 | 1,698,000 | 2,551,000 | 3,403,000 |
| Noninterest income | 115,000 | 211,000 | 363,000 | 497,000 |
| Noninterest expense | 682,000 | 1,379,000 | 2,078,000 | 2,734,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 284,000 | 530,000 | 847,000 | 1,177,000 |
| Income tax | 96,000 | 178,000 | 285,000 | 400,000 |
| Net income | 188,000 | 352,000 | 562,000 | 777,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,638,000 | 16,802,000 | 17,012,000 | 15,227,000 |
| Total capital | 17,481,000 | 17,645,000 | 17,855,000 | 16,070,000 |
| Risk-weighted assets | 70,184,000 | 73,727,000 | 73,353,000 | 73,368,000 |