Call reports 2016
STATE BANK OF TOWNSEND, THE — 2016
What STATE BANK OF TOWNSEND, THE 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 | 57,504,000 | 57,658,000 | 56,600,000 | 58,844,000 |
| Total loans | 31,920,000 | 28,741,000 | 29,133,000 | 27,754,000 |
| Allowance for loan losses | 331,000 | 326,000 | 325,000 | 307,000 |
| Securities available for sale | 12,738,000 | 12,766,000 | 12,584,000 | 12,140,000 |
| Securities held to maturity | 2,000 | 1,000 | 1,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,204,000 | 51,341,000 | 50,199,000 | 52,353,000 |
| Interest-bearing deposits | 39,282,000 | 38,584,000 | 37,760,000 | 38,630,000 |
| Noninterest-bearing deposits | 11,922,000 | 12,757,000 | 12,439,000 | 13,723,000 |
| Equity capital | 5,895,000 | 5,974,000 | 6,025,000 | 6,139,000 |
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 | 622,000 | 1,138,000 | 1,655,000 | 2,204,000 |
| Interest expense | 44,000 | 88,000 | 133,000 | 178,000 |
| Net interest income | 578,000 | 1,050,000 | 1,522,000 | 2,026,000 |
| Noninterest income | 78,000 | 177,000 | 268,000 | 337,000 |
| Noninterest expense | 496,000 | 1,032,000 | 1,510,000 | 2,002,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 160,000 | 195,000 | 280,000 | 369,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 160,000 | 195,000 | 280,000 | 369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,821,000 | 5,855,000 | 5,940,000 | 6,130,000 |
| Total capital | 6,087,000 | 6,174,000 | 6,260,000 | 6,437,000 |
| Risk-weighted assets | 21,264,000 | 25,526,000 | 25,634,000 | 29,686,000 |