Call reports 2016
GLASFORD STATE BANK — 2016
What GLASFORD STATE 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 | 35,326,000 | 36,071,000 | 37,933,000 | 36,460,000 |
| Total loans | 18,643,000 | 20,030,000 | 20,216,000 | 20,008,000 |
| Allowance for loan losses | 104,000 | 98,000 | 103,000 | 122,000 |
| Securities available for sale | 10,916,000 | 10,314,000 | 10,113,000 | 9,798,000 |
| Securities held to maturity | 992,000 | 945,000 | 943,000 | 847,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,344,000 | 32,986,000 | 34,788,000 | 33,554,000 |
| Interest-bearing deposits | 28,821,000 | 29,548,000 | 31,206,000 | 29,398,000 |
| Noninterest-bearing deposits | 3,522,000 | 3,438,000 | 3,582,000 | 4,156,000 |
| Equity capital | 2,944,000 | 3,026,000 | 3,060,000 | 2,815,000 |
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 | 279,000 | 569,000 | 878,000 | 1,176,000 |
| Interest expense | 18,000 | 36,000 | 56,000 | 76,000 |
| Net interest income | 261,000 | 533,000 | 822,000 | 1,100,000 |
| Noninterest income | 48,000 | 100,000 | 154,000 | 207,000 |
| Noninterest expense | 255,000 | 525,000 | 788,000 | 1,070,000 |
| Provision for loan losses | 12,000 | 24,000 | 32,000 | 50,000 |
| Pretax income | 43,000 | 86,000 | 158,000 | 139,000 |
| Income tax | 2,000 | 3,000 | 3,000 | 2,000 |
| Net income | 41,000 | 83,000 | 155,000 | 137,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,836,000 | 2,811,000 | 2,883,000 | 2,864,000 |
| Total capital | 2,940,000 | 2,909,000 | 2,987,000 | 2,985,000 |
| Risk-weighted assets | 16,495,000 | 17,417,000 | 17,740,000 | 17,702,000 |