Call reports 2016
SMACKOVER STATE BANK — 2016
What SMACKOVER 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 | 188,350,000 | 185,269,000 | 183,043,000 | 185,260,000 |
| Total loans | 61,394,000 | 59,785,000 | 58,805,000 | 58,167,000 |
| Allowance for loan losses | 1,076,000 | 1,081,000 | 1,077,000 | 1,040,000 |
| Securities available for sale | 60,336,000 | 54,853,000 | 57,753,000 | 60,625,000 |
| Securities held to maturity | 43,317,000 | 43,622,000 | 42,733,000 | 43,287,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,165,000 | 161,568,000 | 158,960,000 | 162,912,000 |
| Interest-bearing deposits | 133,127,000 | 129,849,000 | 127,111,000 | 129,091,000 |
| Noninterest-bearing deposits | 32,038,000 | 31,719,000 | 31,849,000 | 33,821,000 |
| Equity capital | 22,940,000 | 23,215,000 | 23,517,000 | 22,163,000 |
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 | 1,520,000 | 3,011,000 | 4,465,000 | 5,939,000 |
| Interest expense | 251,000 | 500,000 | 749,000 | 997,000 |
| Net interest income | 1,269,000 | 2,511,000 | 3,716,000 | 4,942,000 |
| Noninterest income | 131,000 | 260,000 | 418,000 | 549,000 |
| Noninterest expense | 831,000 | 1,616,000 | 2,481,000 | 3,543,000 |
| Provision for loan losses | 45,000 | 90,000 | 90,000 | 90,000 |
| Pretax income | 524,000 | 1,065,000 | 1,563,000 | 2,013,000 |
| Income tax | 114,000 | 233,000 | 320,000 | 348,000 |
| Net income | 410,000 | 832,000 | 1,243,000 | 1,665,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,180,000 | 22,451,000 | 22,214,000 | 22,509,000 |
| Total capital | 23,245,000 | 23,491,000 | 23,240,000 | 23,525,000 |
| Risk-weighted assets | 85,197,000 | 83,156,000 | 82,036,000 | 81,273,000 |