Call reports 2016
SSB BANK — 2016
What SSB 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 | 129,972,000 | 140,248,000 | 138,846,000 | 141,288,000 |
| Total loans | 111,369,000 | 113,559,000 | 118,716,000 | 124,100,000 |
| Allowance for loan losses | 1,007,000 | 1,022,000 | 1,040,000 | 821,000 |
| Securities available for sale | 3,331,000 | 3,614,000 | 3,549,000 | 3,226,000 |
| Securities held to maturity | 17,000 | 16,000 | 15,000 | 14,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,496,000 | 109,553,000 | 107,878,000 | 110,343,000 |
| Interest-bearing deposits | 96,776,000 | 103,185,000 | 104,534,000 | 106,032,000 |
| Noninterest-bearing deposits | 2,720,000 | 6,368,000 | 3,344,000 | 4,311,000 |
| Equity capital | 11,042,000 | 11,253,000 | 11,454,000 | 11,560,000 |
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 | 1,229,000 | 2,568,000 | 3,930,000 | 5,437,000 |
| Interest expense | 466,000 | 947,000 | 1,460,000 | 2,002,000 |
| Net interest income | 763,000 | 1,621,000 | 2,470,000 | 3,435,000 |
| Noninterest income | 83,000 | 146,000 | 238,000 | -28,000 |
| Noninterest expense | 617,000 | 1,213,000 | 1,792,000 | 2,461,000 |
| Provision for loan losses | 13,000 | 28,000 | 46,000 | 30,000 |
| Pretax income | 217,000 | 527,000 | 871,000 | 917,000 |
| Income tax | 75,000 | 191,000 | 319,000 | 306,000 |
| Net income | 142,000 | 336,000 | 552,000 | 611,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,042,000 | 11,253,000 | 11,454,000 | 11,607,000 |
| Total capital | 12,038,000 | 12,275,000 | 12,494,000 | 12,428,000 |
| Risk-weighted assets | 79,630,000 | 83,888,000 | 90,008,000 | 102,087,000 |