Call reports 2016
SWEET WATER STATE BANK — 2016
What SWEET WATER 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 | 97,908,000 | 95,765,000 | 96,000,000 | 97,871,000 |
| Total loans | 68,768,000 | 68,128,000 | 69,580,000 | 70,214,000 |
| Allowance for loan losses | 826,000 | 827,000 | 916,000 | 751,000 |
| Securities available for sale | 10,519,000 | 10,170,000 | 9,676,000 | 8,775,000 |
| Securities held to maturity | 3,918,000 | 3,918,000 | 3,917,000 | 3,916,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,913,000 | 83,978,000 | 82,864,000 | 84,926,000 |
| Interest-bearing deposits | 65,057,000 | 64,464,000 | 63,922,000 | 66,940,000 |
| Noninterest-bearing deposits | 19,856,000 | 19,514,000 | 18,942,000 | 17,986,000 |
| Equity capital | 10,299,000 | 10,005,000 | 10,240,000 | 10,218,000 |
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 | 1,139,000 | 2,392,000 | 3,623,000 | 4,841,000 |
| Interest expense | 88,000 | 180,000 | 272,000 | 366,000 |
| Net interest income | 1,051,000 | 2,212,000 | 3,351,000 | 4,475,000 |
| Noninterest income | 180,000 | 378,000 | 555,000 | 711,000 |
| Noninterest expense | 885,000 | 1,829,000 | 2,864,000 | 3,843,000 |
| Provision for loan losses | 0 | 75,000 | 160,000 | 172,000 |
| Pretax income | 346,000 | 686,000 | 882,000 | 1,171,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 346,000 | 686,000 | 882,000 | 1,171,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,244,000 | 9,867,000 | 10,063,000 | 10,352,000 |
| Total capital | 11,046,000 | 10,694,000 | 10,891,000 | 11,103,000 |
| Risk-weighted assets | 64,168,000 | 75,379,000 | 66,163,000 | 69,079,000 |