Call reports 2016
HAVILAND STATE BANK, THE — 2016
What HAVILAND STATE BANK, 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 | 41,383,000 | 39,507,000 | 40,391,000 | 37,791,000 |
| Total loans | 25,624,000 | 23,317,000 | 24,051,000 | 24,823,000 |
| Allowance for loan losses | 409,000 | 428,000 | 438,000 | 451,000 |
| Securities available for sale | 11,153,000 | 11,946,000 | 11,846,000 | 8,690,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,107,000 | 32,572,000 | 30,768,000 | 31,387,000 |
| Interest-bearing deposits | 27,234,000 | 26,932,000 | 25,458,000 | 25,776,000 |
| Noninterest-bearing deposits | 5,873,000 | 5,640,000 | 5,310,000 | 5,611,000 |
| Equity capital | 5,103,000 | 5,161,000 | 5,175,000 | 4,970,000 |
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 | 556,000 | 956,000 | 1,367,000 | 1,780,000 |
| Interest expense | 29,000 | 57,000 | 88,000 | 118,000 |
| Net interest income | 527,000 | 899,000 | 1,279,000 | 1,662,000 |
| Noninterest income | 24,000 | 44,000 | 65,000 | 85,000 |
| Noninterest expense | 244,000 | 489,000 | 707,000 | 1,018,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 299,000 | 439,000 | 614,000 | 651,000 |
| Income tax | 85,000 | 125,000 | 170,000 | 154,000 |
| Net income | 214,000 | 314,000 | 444,000 | 497,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,820,000 | 4,856,000 | 4,920,000 | 4,908,000 |
| Total capital | 5,175,000 | 5,177,000 | 5,251,000 | 5,237,000 |
| Risk-weighted assets | 28,336,000 | 25,584,000 | 26,437,000 | 26,223,000 |