Call reports 2016
NATIONAL BANK OF ST. ANNE — 2016
What NATIONAL BANK OF ST. ANNE 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 | 46,819,000 | 47,653,000 | 50,215,000 | 49,013,000 |
| Total loans | 31,050,000 | 32,100,000 | 33,922,000 | 35,122,000 |
| Allowance for loan losses | 283,000 | 301,000 | 316,000 | 321,000 |
| Securities available for sale | 3,472,000 | 3,493,000 | 2,988,000 | 2,610,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,150,000 | 36,645,000 | 39,550,000 | 39,619,000 |
| Interest-bearing deposits | 28,140,000 | 28,073,000 | 30,915,000 | 30,693,000 |
| Noninterest-bearing deposits | 10,010,000 | 8,572,000 | 8,635,000 | 8,926,000 |
| Equity capital | 6,288,000 | 6,232,000 | 6,325,000 | 6,205,000 |
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 | 466,000 | 952,000 | 1,463,000 | 1,990,000 |
| Interest expense | 19,000 | 38,000 | 61,000 | 88,000 |
| Net interest income | 447,000 | 914,000 | 1,402,000 | 1,902,000 |
| Noninterest income | 67,000 | 147,000 | 205,000 | 254,000 |
| Noninterest expense | 368,000 | 743,000 | 1,095,000 | 1,452,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 89,000 |
| Pretax income | 131,000 | 288,000 | 467,000 | 615,000 |
| Income tax | 41,000 | 133,000 | 217,000 | 222,000 |
| Net income | 90,000 | 155,000 | 250,000 | 393,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,314,000 | 4,260,000 | 4,372,000 | 4,306,000 |
| Total capital | 4,597,000 | 4,561,000 | 4,688,000 | 4,627,000 |
| Risk-weighted assets | 31,458,000 | 32,355,000 | 33,530,000 | 34,322,000 |