Call reports 2016
STOUGHTON CO-OPERATIVE BANK — 2016
What STOUGHTON CO-OPERATIVE 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 | 109,396,000 | 108,732,000 | 111,664,000 | 111,442,000 |
| Total loans | 69,882,000 | 70,320,000 | 70,840,000 | 73,331,000 |
| Allowance for loan losses | 608,000 | 609,000 | 610,000 | 612,000 |
| Securities available for sale | 31,795,000 | 31,861,000 | 31,981,000 | 31,360,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,672,000 | 85,334,000 | 85,021,000 | 86,284,000 |
| Interest-bearing deposits | 82,603,000 | 82,613,000 | 81,701,000 | 82,985,000 |
| Noninterest-bearing deposits | 3,070,000 | 2,721,000 | 3,320,000 | 3,299,000 |
| Equity capital | 9,131,000 | 9,363,000 | 9,435,000 | 8,610,000 |
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 | 868,000 | 1,732,000 | 2,604,000 | 3,488,000 |
| Interest expense | 217,000 | 440,000 | 672,000 | 902,000 |
| Net interest income | 651,000 | 1,292,000 | 1,932,000 | 2,586,000 |
| Noninterest income | 57,000 | 146,000 | 208,000 | 276,000 |
| Noninterest expense | 653,000 | 1,308,000 | 1,972,000 | 2,612,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 93,000 | 204,000 | 297,000 | 388,000 |
| Income tax | -1,000 | 16,000 | 32,000 | 48,000 |
| Net income | 94,000 | 188,000 | 265,000 | 340,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,136,000 | 9,274,000 | 9,350,000 | 9,382,000 |
| Total capital | 9,744,000 | 9,883,000 | 9,960,000 | 9,994,000 |
| Risk-weighted assets | 58,291,000 | 60,559,000 | 63,473,000 | 64,447,000 |