Call reports 2016
CARMINE STATE BANK — 2016
What CARMINE 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 | 72,382,000 | 72,348,000 | 72,759,000 | 71,253,000 |
| Total loans | 19,561,000 | 19,842,000 | 20,376,000 | 20,601,000 |
| Allowance for loan losses | 168,000 | 177,000 | 172,000 | 175,000 |
| Securities available for sale | 9,272,000 | 8,437,000 | 8,915,000 | 8,475,000 |
| Securities held to maturity | 12,839,000 | 13,054,000 | 11,923,000 | 12,273,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,033,000 | 62,821,000 | 63,062,000 | 62,102,000 |
| Interest-bearing deposits | 49,415,000 | 50,006,000 | 49,863,000 | 50,495,000 |
| Noninterest-bearing deposits | 13,618,000 | 12,815,000 | 13,199,000 | 11,607,000 |
| Equity capital | 9,273,000 | 9,402,000 | 9,529,000 | 9,125,000 |
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 | 566,000 | 1,151,000 | 1,731,000 | 2,313,000 |
| Interest expense | 101,000 | 204,000 | 310,000 | 420,000 |
| Net interest income | 465,000 | 947,000 | 1,421,000 | 1,893,000 |
| Noninterest income | 49,000 | 90,000 | 135,000 | 179,000 |
| Noninterest expense | 350,000 | 744,000 | 1,117,000 | 1,520,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 272,000 | 401,000 | 585,000 | 686,000 |
| Income tax | 35,000 | 9,000 | 28,000 | 17,000 |
| Net income | 237,000 | 392,000 | 557,000 | 669,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,994,000 | 9,104,000 | 9,236,000 | 9,178,000 |
| Total capital | 9,162,000 | 9,281,000 | 9,408,000 | 9,353,000 |
| Risk-weighted assets | 21,116,000 | 21,491,000 | 21,561,000 | 21,736,000 |