Call reports 2016
TEMPO BANK — 2016
What TEMPO 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 | 96,348,000 | 96,572,000 | 94,731,000 | 94,756,000 |
| Total loans | 79,277,000 | 80,559,000 | 81,235,000 | 82,225,000 |
| Allowance for loan losses | 193,000 | 193,000 | 193,000 | 187,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,324,000 | 79,452,000 | 77,580,000 | 77,590,000 |
| Interest-bearing deposits | 68,602,000 | 68,419,000 | 66,803,000 | 66,105,000 |
| Noninterest-bearing deposits | 10,722,000 | 11,033,000 | 10,777,000 | 11,485,000 |
| Equity capital | 10,993,000 | 11,045,000 | 11,101,000 | 11,146,000 |
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 | 845,000 | 1,704,000 | 2,559,000 | 3,402,000 |
| Interest expense | 232,000 | 462,000 | 691,000 | 921,000 |
| Net interest income | 613,000 | 1,242,000 | 1,868,000 | 2,481,000 |
| Noninterest income | 43,000 | 89,000 | 117,000 | 154,000 |
| Noninterest expense | 605,000 | 1,209,000 | 1,804,000 | 2,388,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 51,000 | 122,000 | 181,000 | 227,000 |
| Income tax | 9,000 | 43,000 | 62,000 | 80,000 |
| Net income | 42,000 | 79,000 | 119,000 | 147,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,993,000 | 11,045,000 | 11,101,000 | 11,146,000 |
| Total capital | 11,186,000 | 11,238,000 | 11,294,000 | 11,333,000 |
| Risk-weighted assets | 47,274,000 | 47,569,000 | 47,222,000 | 47,971,000 |