Call reports 2016
ST. ANSGAR STATE BANK — 2016
What ST. ANSGAR 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 | 101,787,000 | 102,444,000 | 100,671,000 | 110,235,000 |
| Total loans | 75,710,000 | 74,071,000 | 70,847,000 | 71,960,000 |
| Allowance for loan losses | 768,000 | 898,000 | 460,000 | 724,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 17,138,000 | 15,141,000 | 15,146,000 | 16,549,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,139,000 | 83,778,000 | 81,876,000 | 92,244,000 |
| Interest-bearing deposits | 69,435,000 | 68,665,000 | 67,667,000 | 70,673,000 |
| Noninterest-bearing deposits | 13,704,000 | 15,113,000 | 14,209,000 | 21,571,000 |
| Equity capital | 13,252,000 | 13,385,000 | 13,451,000 | 12,934,000 |
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 | 947,000 | 1,906,000 | 2,819,000 | 3,734,000 |
| Interest expense | 100,000 | 201,000 | 301,000 | 401,000 |
| Net interest income | 847,000 | 1,705,000 | 2,518,000 | 3,333,000 |
| Noninterest income | 23,000 | 43,000 | 74,000 | 151,000 |
| Noninterest expense | 527,000 | 1,055,000 | 1,616,000 | 2,158,000 |
| Provision for loan losses | 40,000 | 240,000 | 440,000 | 940,000 |
| Pretax income | 303,000 | 453,000 | 536,000 | 386,000 |
| Income tax | 17,000 | 34,000 | 51,000 | 18,000 |
| Net income | 286,000 | 419,000 | 485,000 | 368,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,252,000 | 13,385,000 | 13,451,000 | 12,934,000 |
| Total capital | 14,020,000 | 14,283,000 | 13,911,000 | 13,658,000 |
| Risk-weighted assets | 80,771,000 | 79,973,000 | 76,418,000 | 78,882,000 |