Call reports 2016
CALUMET BANK — 2016
What CALUMET 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 | 147,005,000 | 154,545,000 | 156,459,000 | 160,389,000 |
| Total loans | 100,304,000 | 103,243,000 | 106,936,000 | 107,130,000 |
| Allowance for loan losses | 1,304,000 | 1,328,000 | 1,347,000 | 1,384,000 |
| Securities available for sale | 24,568,000 | 24,136,000 | 26,015,000 | 28,113,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,864,000 | 134,038,000 | 133,709,000 | 142,226,000 |
| Interest-bearing deposits | 106,018,000 | 111,015,000 | 112,224,000 | 121,052,000 |
| Noninterest-bearing deposits | 22,846,000 | 23,023,000 | 21,485,000 | 21,174,000 |
| Equity capital | 15,821,000 | 16,129,000 | 16,402,000 | 15,808,000 |
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 | 1,409,000 | 2,848,000 | 4,339,000 | 5,891,000 |
| Interest expense | 189,000 | 390,000 | 598,000 | 812,000 |
| Net interest income | 1,220,000 | 2,458,000 | 3,741,000 | 5,079,000 |
| Noninterest income | 165,000 | 340,000 | 518,000 | 717,000 |
| Noninterest expense | 1,091,000 | 2,188,000 | 3,304,000 | 4,539,000 |
| Provision for loan losses | -64,000 | -40,000 | -24,000 | 12,000 |
| Pretax income | 386,000 | 734,000 | 1,063,000 | 1,349,000 |
| Income tax | 124,000 | 233,000 | 331,000 | 411,000 |
| Net income | 262,000 | 501,000 | 732,000 | 938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,731,000 | 15,980,000 | 16,210,000 | 16,241,000 |
| Total capital | 17,035,000 | 17,308,000 | 17,557,000 | 17,625,000 |
| Risk-weighted assets | 107,545,000 | 113,304,000 | 118,250,000 | 117,675,000 |