Call reports 2016
STATE BANK OF GRAYMONT — 2016
What STATE BANK OF GRAYMONT 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 | 209,300,000 | 210,869,000 | 209,616,000 | 212,742,000 |
| Total loans | 125,104,000 | 125,825,000 | 127,582,000 | 127,674,000 |
| Allowance for loan losses | 915,000 | 893,000 | 899,000 | 885,000 |
| Securities available for sale | 55,090,000 | 59,027,000 | 63,011,000 | 61,918,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,581,000 | 187,753,000 | 185,819,000 | 188,945,000 |
| Interest-bearing deposits | 165,475,000 | 166,114,000 | 165,553,000 | 163,069,000 |
| Noninterest-bearing deposits | 21,106,000 | 21,639,000 | 20,266,000 | 25,876,000 |
| Equity capital | 21,769,000 | 22,274,000 | 22,898,000 | 22,968,000 |
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 | 1,680,000 | 3,379,000 | 5,116,000 | 6,853,000 |
| Interest expense | 276,000 | 554,000 | 835,000 | 1,116,000 |
| Net interest income | 1,404,000 | 2,825,000 | 4,281,000 | 5,737,000 |
| Noninterest income | 217,000 | 445,000 | 692,000 | 958,000 |
| Noninterest expense | 1,127,000 | 2,059,000 | 3,148,000 | 4,276,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 520,000 | 1,249,000 | 1,863,000 | 2,457,000 |
| Income tax | 189,000 | 383,000 | 527,000 | 699,000 |
| Net income | 331,000 | 866,000 | 1,336,000 | 1,758,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,178,000 | 20,713,000 | 21,184,000 | 21,607,000 |
| Total capital | 21,681,000 | 22,151,000 | 22,787,000 | 23,358,000 |
| Risk-weighted assets | 153,982,000 | 153,833,000 | 155,636,000 | 167,103,000 |