Call reports 2016
STATE NATIONAL BANK IN WEST, THE — 2016
What STATE NATIONAL BANK IN WEST, THE 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 | 69,562,000 | 68,215,000 | 69,126,000 | 70,869,000 |
| Total loans | 16,126,000 | 17,159,000 | 16,938,000 | 18,141,000 |
| Allowance for loan losses | 160,000 | 177,000 | 200,000 | 204,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 47,074,000 | 43,121,000 | 43,273,000 | 43,492,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,502,000 | 62,108,000 | 62,941,000 | 64,801,000 |
| Interest-bearing deposits | 42,512,000 | 41,334,000 | 41,233,000 | 41,859,000 |
| Noninterest-bearing deposits | 20,990,000 | 20,774,000 | 21,708,000 | 22,942,000 |
| Equity capital | 5,987,000 | 6,033,000 | 6,097,000 | 6,017,000 |
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 | 447,000 | 902,000 | 1,368,000 | 1,823,000 |
| Interest expense | 41,000 | 81,000 | 121,000 | 162,000 |
| Net interest income | 406,000 | 821,000 | 1,247,000 | 1,661,000 |
| Noninterest income | 70,000 | 132,000 | 195,000 | 266,000 |
| Noninterest expense | 391,000 | 787,000 | 1,177,000 | 1,556,000 |
| Provision for loan losses | 15,000 | 30,000 | 30,000 | 30,000 |
| Pretax income | 70,000 | 139,000 | 238,000 | 344,000 |
| Income tax | 21,000 | 44,000 | 79,000 | 115,000 |
| Net income | 49,000 | 95,000 | 159,000 | 229,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,987,000 | 6,033,000 | 6,097,000 | 6,017,000 |
| Total capital | 6,147,000 | 6,210,000 | 6,297,000 | 6,221,000 |
| Risk-weighted assets | 26,382,000 | 26,615,000 | 26,039,000 | 27,273,000 |