Call reports 2016
STANDING STONE BANK — 2016
What STANDING STONE 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 | 102,953,000 | 108,655,000 | 106,816,000 | 102,319,000 |
| Total loans | 60,607,000 | 60,844,000 | 64,175,000 | 64,505,000 |
| Allowance for loan losses | 684,000 | 695,000 | 708,000 | 720,000 |
| Securities available for sale | 26,264,000 | 27,068,000 | 26,495,000 | 24,394,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,401,000 | 88,158,000 | 90,242,000 | 82,837,000 |
| Interest-bearing deposits | 61,712,000 | 72,207,000 | 72,628,000 | 66,446,000 |
| Noninterest-bearing deposits | 13,689,000 | 15,951,000 | 17,614,000 | 16,391,000 |
| Equity capital | 7,468,000 | 7,561,000 | 7,569,000 | 7,266,000 |
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 | 871,000 | 1,770,000 | 2,708,000 | 3,707,000 |
| Interest expense | 96,000 | 207,000 | 322,000 | 436,000 |
| Net interest income | 775,000 | 1,563,000 | 2,386,000 | 3,271,000 |
| Noninterest income | 182,000 | 382,000 | 533,000 | 653,000 |
| Noninterest expense | 919,000 | 1,871,000 | 2,859,000 | 3,807,000 |
| Provision for loan losses | 0 | 0 | 0 | -200,000 |
| Pretax income | 140,000 | 177,000 | 327,000 | 586,000 |
| Income tax | 33,000 | 32,000 | 69,000 | 145,000 |
| Net income | 107,000 | 145,000 | 258,000 | 441,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,382,000 | 7,389,000 | 7,462,000 | 7,616,000 |
| Total capital | 8,066,000 | 8,084,000 | 8,170,000 | 8,336,000 |
| Risk-weighted assets | 64,829,000 | 66,837,000 | 68,179,000 | 69,474,000 |