Call reports 2016
SIDNEY STATE BANK — 2016
What SIDNEY 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 | 56,575,000 | 56,266,000 | 55,200,000 | 55,998,000 |
| Total loans | 43,471,000 | 43,086,000 | 43,666,000 | 44,305,000 |
| Allowance for loan losses | 488,000 | 512,000 | 531,000 | 453,000 |
| Securities available for sale | 2,486,000 | 2,521,000 | 2,027,000 | 1,623,000 |
| Securities held to maturity | 2,149,000 | 2,465,000 | 3,159,000 | 3,590,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,410,000 | 45,089,000 | 44,488,000 | 45,459,000 |
| Interest-bearing deposits | 41,410,000 | 40,737,000 | 40,086,000 | 41,330,000 |
| Noninterest-bearing deposits | 4,000,000 | 4,352,000 | 4,402,000 | 4,129,000 |
| Equity capital | 6,432,000 | 6,402,000 | 6,419,000 | 6,380,000 |
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 | 669,000 | 1,310,000 | 1,940,000 | 2,595,000 |
| Interest expense | 78,000 | 156,000 | 236,000 | 317,000 |
| Net interest income | 591,000 | 1,154,000 | 1,704,000 | 2,278,000 |
| Noninterest income | 43,000 | 110,000 | 160,000 | 215,000 |
| Noninterest expense | 525,000 | 983,000 | 1,442,000 | 1,910,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 91,000 | 245,000 | 368,000 | 514,000 |
| Income tax | -14,000 | 24,000 | 53,000 | 87,000 |
| Net income | 105,000 | 221,000 | 315,000 | 427,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,407,000 | 6,376,000 | 6,396,000 | 6,324,000 |
| Total capital | 6,789,000 | 6,781,000 | 6,813,000 | 6,742,000 |
| Risk-weighted assets | 30,521,000 | 32,316,000 | 33,242,000 | 33,447,000 |