Call reports 2016
FIRST STATE BANK OF RANDOLPH COUNTY — 2016
What FIRST STATE BANK OF RANDOLPH COUNTY 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 | 77,185,000 | 77,030,000 | 75,702,000 | 78,393,000 |
| Total loans | 30,969,000 | 30,945,000 | 33,945,000 | 32,724,000 |
| Allowance for loan losses | 400,000 | 386,000 | 374,000 | 377,000 |
| Securities available for sale | 32,976,000 | 34,256,000 | 34,063,000 | 34,309,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,643,000 | 69,167,000 | 67,685,000 | 72,128,000 |
| Interest-bearing deposits | 53,023,000 | 53,320,000 | 52,828,000 | 51,544,000 |
| Noninterest-bearing deposits | 16,620,000 | 15,847,000 | 14,857,000 | 20,584,000 |
| Equity capital | 7,210,000 | 7,501,000 | 7,637,000 | 5,941,000 |
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 | 618,000 | 1,282,000 | 1,940,000 | 2,587,000 |
| Interest expense | 111,000 | 224,000 | 334,000 | 444,000 |
| Net interest income | 507,000 | 1,058,000 | 1,606,000 | 2,143,000 |
| Noninterest income | 275,000 | 343,000 | 415,000 | 489,000 |
| Noninterest expense | 547,000 | 1,091,000 | 1,665,000 | 2,190,000 |
| Provision for loan losses | 4,000 | 8,000 | 11,000 | 15,000 |
| Pretax income | 260,000 | 337,000 | 405,000 | 503,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 260,000 | 337,000 | 405,000 | 503,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,162,000 | 7,239,000 | 7,307,000 | 7,055,000 |
| Total capital | 7,562,000 | 7,625,000 | 7,681,000 | 7,432,000 |
| Risk-weighted assets | 45,971,000 | 46,125,000 | 47,304,000 | 47,391,000 |