Call reports 2016
SANGER BANK — 2016
What SANGER 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 | 131,368,000 | 130,640,000 | 127,206,000 | 127,151,000 |
| Total loans | 70,680,000 | 70,189,000 | 70,004,000 | 72,227,000 |
| Allowance for loan losses | 705,000 | 720,000 | 730,000 | 735,000 |
| Securities available for sale | 8,799,000 | 7,900,000 | 7,854,000 | 7,017,000 |
| Securities held to maturity | 27,989,000 | 26,807,000 | 25,596,000 | 25,199,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,917,000 | 112,716,000 | 109,027,000 | 109,270,000 |
| Interest-bearing deposits | 86,885,000 | 84,710,000 | 82,224,000 | 83,356,000 |
| Noninterest-bearing deposits | 27,032,000 | 28,006,000 | 26,803,000 | 25,914,000 |
| Equity capital | 17,156,000 | 17,546,000 | 17,854,000 | 17,754,000 |
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 | 1,326,000 | 2,632,000 | 3,915,000 | 5,194,000 |
| Interest expense | 122,000 | 246,000 | 373,000 | 501,000 |
| Net interest income | 1,204,000 | 2,386,000 | 3,542,000 | 4,693,000 |
| Noninterest income | 148,000 | 309,000 | 503,000 | 671,000 |
| Noninterest expense | 848,000 | 1,724,000 | 2,597,000 | 3,425,000 |
| Provision for loan losses | 15,000 | 30,000 | 40,000 | 48,000 |
| Pretax income | 489,000 | 941,000 | 1,408,000 | 1,891,000 |
| Income tax | 102,000 | 192,000 | 340,000 | 435,000 |
| Net income | 387,000 | 749,000 | 1,068,000 | 1,456,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,032,000 | 17,394,000 | 17,714,000 | 17,719,000 |
| Total capital | 17,737,000 | 18,114,000 | 18,444,000 | 18,454,000 |
| Risk-weighted assets | 70,286,000 | 69,754,000 | 69,746,000 | 71,282,000 |