Call reports 2016
BEAUREGARD FEDERAL SAVINGS BANK — 2016
What BEAUREGARD FEDERAL 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 | 60,518,000 | 60,021,000 | 60,504,000 | 66,335,000 |
| Total loans | 39,391,000 | 40,165,000 | 40,714,000 | 41,962,000 |
| Allowance for loan losses | 768,000 | 592,000 | 746,000 | 763,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 10,677,000 | 8,557,000 | 9,384,000 | 9,377,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,713,000 | 49,105,000 | 49,288,000 | 55,520,000 |
| Interest-bearing deposits | 40,735,000 | 39,980,000 | 39,068,000 | 41,726,000 |
| Noninterest-bearing deposits | 8,978,000 | 9,125,000 | 10,220,000 | 13,794,000 |
| Equity capital | 10,537,000 | 10,613,000 | 10,831,000 | 10,480,000 |
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 | 812,000 | 1,580,000 | 2,375,000 | 3,177,000 |
| Interest expense | 62,000 | 122,000 | 180,000 | 240,000 |
| Net interest income | 750,000 | 1,458,000 | 2,195,000 | 2,937,000 |
| Noninterest income | 40,000 | 118,000 | 178,000 | 212,000 |
| Noninterest expense | 424,000 | 850,000 | 1,295,000 | 1,642,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 351,000 | 696,000 | 1,033,000 | 1,447,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 351,000 | 696,000 | 1,033,000 | 1,447,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,537,000 | 10,613,000 | 10,831,000 | 10,480,000 |
| Total capital | 10,952,000 | 11,033,000 | 11,259,000 | 10,926,000 |
| Risk-weighted assets | 32,911,000 | 33,436,000 | 33,925,000 | 35,367,000 |