Call reports 2016
TERRABANK, NATIONAL ASSOCIATION — 2016
What TERRABANK, NATIONAL 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 | 321,814,000 | 335,392,000 | 339,629,000 | 352,190,000 |
| Total loans | 244,403,000 | 245,190,000 | 252,285,000 | 248,671,000 |
| Allowance for loan losses | 2,692,000 | 2,699,000 | 2,733,000 | 2,741,000 |
| Securities available for sale | 52,344,000 | 59,313,000 | 67,174,000 | 65,731,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 282,291,000 | 295,000,000 | 298,895,000 | 312,328,000 |
| Interest-bearing deposits | 182,212,000 | 187,655,000 | 188,986,000 | 197,449,000 |
| Noninterest-bearing deposits | 100,079,000 | 107,345,000 | 109,909,000 | 114,879,000 |
| Equity capital | 32,245,000 | 32,694,000 | 32,985,000 | 32,231,000 |
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 | 3,197,000 | 6,365,000 | 9,565,000 | 12,797,000 |
| Interest expense | 335,000 | 678,000 | 1,035,000 | 1,395,000 |
| Net interest income | 2,862,000 | 5,687,000 | 8,530,000 | 11,402,000 |
| Noninterest income | 433,000 | 922,000 | 1,420,000 | 1,948,000 |
| Noninterest expense | 2,952,000 | 6,057,000 | 9,118,000 | 11,982,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 25,000 |
| Pretax income | 468,000 | 847,000 | 1,279,000 | 1,815,000 |
| Income tax | 156,000 | 255,000 | 382,000 | 541,000 |
| Net income | 312,000 | 592,000 | 897,000 | 1,274,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,972,000 | 32,375,000 | 32,755,000 | 33,070,000 |
| Total capital | 34,696,000 | 35,106,000 | 35,495,000 | 35,818,000 |
| Risk-weighted assets | 254,533,000 | 255,626,000 | 259,445,000 | 254,686,000 |