Call reports 2016
INTERSTATE BANK — 2016
What INTERSTATE 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 | 175,953,000 | 177,748,000 | 172,385,000 | 173,933,000 |
| Total loans | 110,888,000 | 119,279,000 | 115,456,000 | 113,816,000 |
| Allowance for loan losses | 1,156,000 | 1,228,000 | 1,214,000 | 1,219,000 |
| Securities available for sale | 45,818,000 | 45,107,000 | 43,244,000 | 43,692,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,369,000 | 150,173,000 | 147,055,000 | 154,584,000 |
| Interest-bearing deposits | 120,484,000 | 122,517,000 | 118,469,000 | 123,445,000 |
| Noninterest-bearing deposits | 33,884,000 | 27,657,000 | 28,587,000 | 31,140,000 |
| Equity capital | 18,306,000 | 18,701,000 | 19,059,000 | 18,436,000 |
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 | 1,643,000 | 3,354,000 | 5,017,000 | 6,686,000 |
| Interest expense | 71,000 | 153,000 | 256,000 | 361,000 |
| Net interest income | 1,572,000 | 3,201,000 | 4,761,000 | 6,325,000 |
| Noninterest income | 475,000 | 1,170,000 | 1,737,000 | 2,141,000 |
| Noninterest expense | 1,574,000 | 2,953,000 | 4,329,000 | 5,753,000 |
| Provision for loan losses | 100,000 | 250,000 | 290,000 | 365,000 |
| Pretax income | 476,000 | 1,271,000 | 1,982,000 | 2,451,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 476,000 | 1,271,000 | 1,982,000 | 2,451,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,872,000 | 17,238,000 | 17,590,000 | 17,700,000 |
| Total capital | 18,028,000 | 18,466,000 | 18,804,000 | 18,919,000 |
| Risk-weighted assets | 126,913,000 | 133,363,000 | 131,426,000 | 130,373,000 |