Call reports 2016
CLEO STATE BANK — 2016
What CLEO 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 | 97,003,000 | 96,169,000 | 94,170,000 | 90,448,000 |
| Total loans | 34,836,000 | 32,476,000 | 32,534,000 | 36,405,000 |
| Allowance for loan losses | 468,000 | 470,000 | 471,000 | 1,629,000 |
| Securities available for sale | 57,710,000 | 54,672,000 | 52,686,000 | 50,913,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,728,000 | 78,469,000 | 76,294,000 | 75,937,000 |
| Interest-bearing deposits | 57,094,000 | 56,523,000 | 54,340,000 | 53,793,000 |
| Noninterest-bearing deposits | 22,634,000 | 21,946,000 | 21,954,000 | 22,144,000 |
| Equity capital | 17,266,000 | 17,692,000 | 17,867,000 | 14,502,000 |
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 | 985,000 | 1,922,000 | 2,843,000 | 3,761,000 |
| Interest expense | 42,000 | 81,000 | 121,000 | 159,000 |
| Net interest income | 943,000 | 1,841,000 | 2,722,000 | 3,602,000 |
| Noninterest income | 107,000 | 221,000 | 346,000 | 465,000 |
| Noninterest expense | 432,000 | 857,000 | 1,358,000 | 1,974,000 |
| Provision for loan losses | 207,000 | 210,000 | 213,000 | 1,393,000 |
| Pretax income | 481,000 | 1,168,000 | 1,713,000 | 917,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 481,000 | 1,168,000 | 1,713,000 | 917,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,207,000 | 17,692,000 | 16,538,000 | 15,323,000 |
| Total capital | 16,675,000 | 18,162,000 | 17,009,000 | 16,473,000 |
| Risk-weighted assets | 95,940,000 | 94,327,000 | 93,543,000 | 91,532,000 |