Call reports 2016
POCAHONTAS STATE BANK — 2016
What POCAHONTAS 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 | 99,584,000 | 97,168,000 | 98,876,000 | 101,167,000 |
| Total loans | 42,717,000 | 41,860,000 | 40,456,000 | 42,675,000 |
| Allowance for loan losses | 226,000 | 226,000 | 226,000 | 226,000 |
| Securities available for sale | 14,972,000 | 15,251,000 | 14,229,000 | 13,900,000 |
| Securities held to maturity | 35,441,000 | 32,918,000 | 37,260,000 | 37,124,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,784,000 | 71,918,000 | 73,178,000 | 75,351,000 |
| Interest-bearing deposits | 66,922,000 | 63,726,000 | 64,626,000 | 63,796,000 |
| Noninterest-bearing deposits | 7,862,000 | 8,192,000 | 8,552,000 | 11,555,000 |
| Equity capital | 23,083,000 | 23,539,000 | 23,980,000 | 24,086,000 |
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 | 948,000 | 1,881,000 | 2,787,000 | 3,676,000 |
| Interest expense | 93,000 | 183,000 | 279,000 | 374,000 |
| Net interest income | 855,000 | 1,698,000 | 2,508,000 | 3,302,000 |
| Noninterest income | 29,000 | 55,000 | 79,000 | 107,000 |
| Noninterest expense | 211,000 | 393,000 | 582,000 | 828,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 658,000 | 1,345,000 | 1,990,000 | 2,566,000 |
| Income tax | 20,000 | 52,000 | 84,000 | 114,000 |
| Net income | 638,000 | 1,293,000 | 1,906,000 | 2,452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,732,000 | 20,285,000 | 20,828,000 | 20,973,000 |
| Total capital | 19,958,000 | 20,511,000 | 21,054,000 | 21,199,000 |
| Risk-weighted assets | 59,911,000 | 58,710,000 | 58,491,000 | 61,138,000 |