Call reports 2016
POTTER STATE BANK OF POTTER, THE — 2016
What POTTER STATE BANK OF POTTER, THE 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 | 39,669,000 | 39,401,000 | 38,617,000 | 38,366,000 |
| Total loans | 17,166,000 | 18,767,000 | 18,765,000 | 17,795,000 |
| Allowance for loan losses | 211,000 | 214,000 | 214,000 | 217,000 |
| Securities available for sale | 2,974,000 | 2,701,000 | 2,723,000 | 9,230,000 |
| Securities held to maturity | 5,951,000 | 6,420,000 | 6,871,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,178,000 | 33,399,000 | 32,342,000 | 33,143,000 |
| Interest-bearing deposits | 28,250,000 | 27,969,000 | 26,957,000 | 27,324,000 |
| Noninterest-bearing deposits | 5,928,000 | 5,430,000 | 5,385,000 | 5,819,000 |
| Equity capital | 4,726,000 | 4,800,000 | 4,902,000 | 4,803,000 |
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 | 364,000 | 720,000 | 1,119,000 | 1,484,000 |
| Interest expense | 45,000 | 81,000 | 114,000 | 145,000 |
| Net interest income | 319,000 | 639,000 | 1,005,000 | 1,339,000 |
| Noninterest income | 26,000 | 52,000 | 81,000 | 119,000 |
| Noninterest expense | 270,000 | 540,000 | 799,000 | 1,084,000 |
| Provision for loan losses | 0 | 0 | 0 | 140,000 |
| Pretax income | 75,000 | 151,000 | 287,000 | 234,000 |
| Income tax | 14,000 | 24,000 | 61,000 | 22,000 |
| Net income | 61,000 | 127,000 | 226,000 | 212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,719,000 | 4,784,000 | 4,884,000 | 4,870,000 |
| Total capital | 4,930,000 | 4,998,000 | 5,098,000 | 5,087,000 |
| Risk-weighted assets | 26,426,000 | 27,352,000 | 27,194,000 | 26,136,000 |