Call reports 2016
STATE BANK OF INDUSTRY — 2016
What STATE BANK OF INDUSTRY 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 | 48,923,000 | 47,962,000 | 51,061,000 | 51,583,000 |
| Total loans | 31,904,000 | 33,830,000 | 35,621,000 | 35,199,000 |
| Allowance for loan losses | 355,000 | 328,000 | 312,000 | 269,000 |
| Securities available for sale | 12,613,000 | 12,665,000 | 12,478,000 | 11,938,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,601,000 | 40,444,000 | 43,426,000 | 44,301,000 |
| Interest-bearing deposits | 37,243,000 | 36,737,000 | 37,982,000 | 39,387,000 |
| Noninterest-bearing deposits | 4,358,000 | 3,707,000 | 5,444,000 | 4,914,000 |
| Equity capital | 6,986,000 | 7,170,000 | 7,277,000 | 6,955,000 |
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 | 479,000 | 973,000 | 1,484,000 | 1,991,000 |
| Interest expense | 65,000 | 131,000 | 199,000 | 270,000 |
| Net interest income | 414,000 | 842,000 | 1,285,000 | 1,721,000 |
| Noninterest income | 29,000 | 45,000 | 69,000 | 109,000 |
| Noninterest expense | 230,000 | 484,000 | 723,000 | 995,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 248,000 | 438,000 | 666,000 | 852,000 |
| Income tax | 10,000 | 11,000 | 11,000 | 11,000 |
| Net income | 238,000 | 427,000 | 655,000 | 841,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,841,000 | 6,921,000 | 7,041,000 | 7,119,000 |
| Total capital | 7,196,000 | 7,249,000 | 7,353,000 | 7,388,000 |
| Risk-weighted assets | 33,364,000 | 34,751,000 | 36,710,000 | 35,821,000 |