Call reports 2016
FIRST STATE BANK OF CLEARBROOK — 2016
What FIRST STATE BANK OF CLEARBROOK 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 | 47,975,000 | 51,739,000 | 48,786,000 | 48,263,000 |
| Total loans | 22,395,000 | 23,530,000 | 23,397,000 | 22,761,000 |
| Allowance for loan losses | 250,000 | 250,000 | 250,000 | 250,000 |
| Securities available for sale | 15,826,000 | 15,478,000 | 14,940,000 | 14,995,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,481,000 | 46,956,000 | 43,810,000 | 43,908,000 |
| Interest-bearing deposits | 34,929,000 | 39,460,000 | 35,728,000 | 35,226,000 |
| Noninterest-bearing deposits | 8,552,000 | 7,496,000 | 8,082,000 | 8,682,000 |
| Equity capital | 4,162,000 | 4,421,000 | 4,584,000 | 4,070,000 |
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 | 402,000 | 808,000 | 1,228,000 | 1,627,000 |
| Interest expense | 26,000 | 52,000 | 76,000 | 99,000 |
| Net interest income | 376,000 | 756,000 | 1,152,000 | 1,528,000 |
| Noninterest income | 50,000 | 102,000 | 154,000 | 200,000 |
| Noninterest expense | 282,000 | 575,000 | 849,000 | 1,187,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 144,000 | 283,000 | 457,000 | 541,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 144,000 | 283,000 | 457,000 | 541,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,986,000 | 4,092,000 | 4,233,000 | 4,284,000 |
| Total capital | 4,236,000 | 4,342,000 | 4,483,000 | 4,534,000 |
| Risk-weighted assets | 26,398,000 | 28,152,000 | 27,444,000 | 27,033,000 |