Call reports 2016
ARMSTRONG COUNTY BUILDING AND LOAN ASSOCIATION — 2016
What ARMSTRONG COUNTY BUILDING AND LOAN ASSOCIATION 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 | 85,749,000 | 85,955,000 | 86,273,000 | 86,231,000 |
| Total loans | 55,496,000 | 55,715,000 | 55,725,000 | 55,653,000 |
| Allowance for loan losses | 265,000 | 280,000 | 278,000 | 314,000 |
| Securities available for sale | 5,004,000 | 2,997,000 | 2,982,000 | 2,937,000 |
| Securities held to maturity | 21,822,000 | 22,990,000 | 23,599,000 | 23,803,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,048,000 | 73,221,000 | 73,483,000 | 73,528,000 |
| Interest-bearing deposits | 73,048,000 | 73,221,000 | 73,483,000 | 73,528,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 12,444,000 | 12,461,000 | 12,500,000 | 12,431,000 |
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 | 693,000 | 1,401,000 | 2,084,000 | 2,764,000 |
| Interest expense | 404,000 | 805,000 | 1,211,000 | 1,618,000 |
| Net interest income | 289,000 | 596,000 | 873,000 | 1,146,000 |
| Noninterest income | 12,000 | 25,000 | 36,000 | 49,000 |
| Noninterest expense | 264,000 | 518,000 | 774,000 | 1,048,000 |
| Provision for loan losses | 0 | 15,000 | 15,000 | 51,000 |
| Pretax income | 40,000 | 23,000 | 55,000 | 41,000 |
| Income tax | 15,000 | 30,000 | 14,000 | 38,000 |
| Net income | 25,000 | -7,000 | 41,000 | 3,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,396,000 | 12,363,000 | 12,412,000 | 12,373,000 |
| Total capital | 12,661,000 | 12,643,000 | 12,690,000 | 12,687,000 |
| Risk-weighted assets | 39,490,000 | 39,945,000 | 39,523,000 | 39,382,000 |