Call reports 2016
SIMPLYBANK. — 2016
What SIMPLYBANK. 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 | 291,670,000 | 294,481,000 | 299,165,000 | 289,923,000 |
| Total loans | 239,670,000 | 244,423,000 | 247,357,000 | 243,630,000 |
| Allowance for loan losses | 1,933,000 | 2,294,000 | 2,717,000 | 2,530,000 |
| Securities available for sale | 19,068,000 | 17,508,000 | 17,721,000 | 17,698,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,005,000 | 239,436,000 | 244,047,000 | 238,747,000 |
| Interest-bearing deposits | 189,537,000 | 189,310,000 | 192,310,000 | 188,156,000 |
| Noninterest-bearing deposits | 47,468,000 | 50,126,000 | 51,737,000 | 50,591,000 |
| Equity capital | 30,389,000 | 30,814,000 | 30,889,000 | 30,777,000 |
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 | 3,468,000 | 6,960,000 | 10,506,000 | 13,951,000 |
| Interest expense | 309,000 | 636,000 | 970,000 | 1,284,000 |
| Net interest income | 3,159,000 | 6,324,000 | 9,536,000 | 12,667,000 |
| Noninterest income | 502,000 | 1,002,000 | 1,830,000 | 2,334,000 |
| Noninterest expense | 2,315,000 | 4,553,000 | 7,275,000 | 9,793,000 |
| Provision for loan losses | 250,000 | 625,000 | 1,000,000 | 1,150,000 |
| Pretax income | 1,096,000 | 2,148,000 | 3,091,000 | 4,058,000 |
| Income tax | 89,000 | 176,000 | 255,000 | 339,000 |
| Net income | 1,007,000 | 1,972,000 | 2,836,000 | 3,719,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,166,000 | 30,477,000 | 30,616,000 | 30,851,000 |
| Total capital | 32,099,000 | 32,771,000 | 33,333,000 | 33,381,000 |
| Risk-weighted assets | 240,777,000 | 239,666,000 | 244,273,000 | 236,840,000 |