Call reports 2016
BANK OF SAINT ELIZABETH — 2016
What BANK OF SAINT ELIZABETH 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 | 119,040,000 | 119,761,000 | 119,085,000 | 124,225,000 |
| Total loans | 89,182,000 | 92,198,000 | 97,186,000 | 99,886,000 |
| Allowance for loan losses | 761,000 | 713,000 | 598,000 | 763,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,919,000 | 105,349,000 | 104,231,000 | 109,475,000 |
| Interest-bearing deposits | 80,849,000 | 81,413,000 | 80,803,000 | 81,647,000 |
| Noninterest-bearing deposits | 24,070,000 | 23,936,000 | 23,428,000 | 27,828,000 |
| Equity capital | 14,003,000 | 14,336,000 | 14,752,000 | 14,587,000 |
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 | 1,330,000 | 2,705,000 | 4,127,000 | 5,582,000 |
| Interest expense | 114,000 | 228,000 | 339,000 | 449,000 |
| Net interest income | 1,216,000 | 2,477,000 | 3,788,000 | 5,133,000 |
| Noninterest income | 243,000 | 481,000 | 699,000 | 950,000 |
| Noninterest expense | 903,000 | 1,789,000 | 2,652,000 | 3,993,000 |
| Provision for loan losses | 0 | 0 | 0 | 220,000 |
| Pretax income | 556,000 | 1,169,000 | 1,835,000 | 1,870,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 556,000 | 1,169,000 | 1,835,000 | 1,870,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,250,000 | 11,599,000 | 12,030,000 | 11,873,000 |
| Total capital | 12,011,000 | 12,312,000 | 12,628,000 | 12,636,000 |
| Risk-weighted assets | 67,787,000 | 70,369,000 | 73,369,000 | 76,142,000 |