Call reports 2016
STATE BANK OF LAKOTA — 2016
What STATE BANK OF LAKOTA 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 | 45,938,000 | 46,307,000 | 44,787,000 | 48,771,000 |
| Total loans | 30,882,000 | 32,481,000 | 33,346,000 | 29,942,000 |
| Allowance for loan losses | 267,000 | 274,000 | 262,000 | 255,000 |
| Securities available for sale | 3,734,000 | 4,325,000 | 3,499,000 | 4,181,000 |
| Securities held to maturity | 5,667,000 | 2,920,000 | 3,670,000 | 4,170,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,079,000 | 41,369,000 | 39,693,000 | 44,135,000 |
| Interest-bearing deposits | 31,649,000 | 29,764,000 | 28,769,000 | 29,996,000 |
| Noninterest-bearing deposits | 9,430,000 | 11,605,000 | 10,924,000 | 14,139,000 |
| Equity capital | 4,777,000 | 4,810,000 | 4,891,000 | 4,627,000 |
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 | 450,000 | 899,000 | 1,366,000 | 1,817,000 |
| Interest expense | 26,000 | 50,000 | 79,000 | 106,000 |
| Net interest income | 424,000 | 849,000 | 1,287,000 | 1,711,000 |
| Noninterest income | 12,000 | 42,000 | 58,000 | 94,000 |
| Noninterest expense | 233,000 | 541,000 | 810,000 | 1,190,000 |
| Provision for loan losses | 50,000 | 83,000 | 83,000 | 83,000 |
| Pretax income | 167,000 | 293,000 | 478,000 | 563,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 167,000 | 293,000 | 478,000 | 563,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,777,000 | 4,801,000 | 4,886,000 | 4,696,000 |
| Total capital | 5,044,000 | 5,075,000 | 5,148,000 | 4,951,000 |
| Risk-weighted assets | 33,179,000 | 33,590,000 | 33,184,000 | 32,051,000 |