Call reports 2016
FIRST STATE BANK OF BEECHER CITY — 2016
What FIRST STATE BANK OF BEECHER CITY 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 | 70,495,000 | 69,208,000 | 68,376,000 | 71,385,000 |
| Total loans | 54,396,000 | 55,793,000 | 58,153,000 | 57,643,000 |
| Allowance for loan losses | 962,000 | 656,000 | 927,000 | 973,000 |
| Securities available for sale | 6,122,000 | 5,220,000 | 4,803,000 | 4,567,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,505,000 | 57,884,000 | 56,982,000 | 59,646,000 |
| Interest-bearing deposits | 49,794,000 | 47,923,000 | 48,327,000 | 48,684,000 |
| Noninterest-bearing deposits | 9,711,000 | 9,961,000 | 8,655,000 | 10,962,000 |
| Equity capital | 10,865,000 | 11,186,000 | 11,278,000 | 11,539,000 |
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 | 853,000 | 1,719,000 | 2,478,000 | 3,308,000 |
| Interest expense | 87,000 | 172,000 | 256,000 | 342,000 |
| Net interest income | 766,000 | 1,547,000 | 2,222,000 | 2,966,000 |
| Noninterest income | 88,000 | 167,000 | 420,000 | 562,000 |
| Noninterest expense | 419,000 | 834,000 | 1,280,000 | 1,774,000 |
| Provision for loan losses | 0 | 0 | 250,000 | 350,000 |
| Pretax income | 435,000 | 880,000 | 1,112,000 | 1,404,000 |
| Income tax | 23,000 | 23,000 | 23,000 | 23,000 |
| Net income | 412,000 | 857,000 | 1,089,000 | 1,381,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,810,000 | 11,125,000 | 11,227,000 | 11,520,000 |
| Total capital | 11,511,000 | 11,781,000 | 11,941,000 | 12,237,000 |
| Risk-weighted assets | 55,822,000 | 56,793,000 | 56,974,000 | 57,111,000 |