Call reports 2016
BANK OF TESCOTT, THE — 2016
What BANK OF TESCOTT, 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 | 354,505,000 | 360,018,000 | 364,564,000 | 361,242,000 |
| Total loans | 291,416,000 | 302,415,000 | 314,636,000 | 317,550,000 |
| Allowance for loan losses | 6,616,000 | 6,848,000 | 7,018,000 | 7,166,000 |
| Securities available for sale | 44,552,000 | 49,047,000 | 44,047,000 | 37,593,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 304,462,000 | 301,095,000 | 304,293,000 | 307,472,000 |
| Interest-bearing deposits | 278,471,000 | 276,286,000 | 274,000,000 | 280,285,000 |
| Noninterest-bearing deposits | 25,991,000 | 24,809,000 | 30,293,000 | 27,187,000 |
| Equity capital | 43,811,000 | 44,831,000 | 45,686,000 | 45,119,000 |
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 | 3,982,000 | 8,055,000 | 12,257,000 | 16,402,000 |
| Interest expense | 519,000 | 1,062,000 | 1,631,000 | 2,202,000 |
| Net interest income | 3,463,000 | 6,993,000 | 10,626,000 | 14,200,000 |
| Noninterest income | 272,000 | 547,000 | 828,000 | 1,126,000 |
| Noninterest expense | 1,724,000 | 3,461,000 | 5,315,000 | 7,176,000 |
| Provision for loan losses | 225,000 | 450,000 | 690,000 | 900,000 |
| Pretax income | 1,786,000 | 3,629,000 | 5,454,000 | 7,236,000 |
| Income tax | 98,000 | 184,000 | 255,000 | 310,000 |
| Net income | 1,688,000 | 3,445,000 | 5,199,000 | 6,926,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,284,000 | 44,192,000 | 45,096,000 | 45,373,000 |
| Total capital | 47,143,000 | 48,163,000 | 49,182,000 | 49,296,000 |
| Risk-weighted assets | 305,965,000 | 314,796,000 | 323,938,000 | 310,669,000 |