Call reports 2016
NORSTATES BANK — 2016
What NORSTATES 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 | 485,892,000 | 497,964,000 | 506,718,000 | 488,321,000 |
| Total loans | 254,545,000 | 264,244,000 | 274,281,000 | 289,594,000 |
| Allowance for loan losses | 5,593,000 | 5,425,000 | 5,757,000 | 5,703,000 |
| Securities available for sale | 78,415,000 | 69,688,000 | 71,341,000 | 63,180,000 |
| Securities held to maturity | 13,496,000 | 13,429,000 | 13,360,000 | 12,996,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 402,426,000 | 412,150,000 | 415,087,000 | 393,178,000 |
| Interest-bearing deposits | 301,926,000 | 307,334,000 | 314,834,000 | 289,940,000 |
| Noninterest-bearing deposits | 100,500,000 | 104,816,000 | 100,253,000 | 103,238,000 |
| Equity capital | 64,749,000 | 65,253,000 | 65,702,000 | 66,816,000 |
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 | 3,354,000 | 6,829,000 | 10,383,000 | 13,987,000 |
| Interest expense | 98,000 | 191,000 | 279,000 | 366,000 |
| Net interest income | 3,256,000 | 6,638,000 | 10,104,000 | 13,621,000 |
| Noninterest income | 783,000 | 1,601,000 | 2,003,000 | 2,923,000 |
| Noninterest expense | 3,521,000 | 7,159,000 | 10,395,000 | 14,825,000 |
| Provision for loan losses | 0 | 0 | -75,000 | -75,000 |
| Pretax income | 635,000 | 1,301,000 | 2,008,000 | 2,015,000 |
| Income tax | 252,000 | 496,000 | 662,000 | -225,000 |
| Net income | 383,000 | 805,000 | 1,346,000 | 2,240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,522,000 | 49,947,000 | 51,182,000 | 51,617,000 |
| Total capital | 53,408,000 | 53,785,000 | 55,188,000 | 55,747,000 |
| Risk-weighted assets | 303,153,000 | 299,383,000 | 312,965,000 | 319,598,000 |