Call reports 2016
CHILLICOTHE STATE BANK — 2016
What CHILLICOTHE STATE 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 | 129,711,000 | 135,579,000 | 132,654,000 | 132,307,000 |
| Total loans | 66,780,000 | 65,569,000 | 68,227,000 | 68,432,000 |
| Allowance for loan losses | 1,094,000 | 1,110,000 | 1,127,000 | 1,114,000 |
| Securities available for sale | 44,827,000 | 48,952,000 | 46,711,000 | 44,243,000 |
| Securities held to maturity | 83,000 | 73,000 | 52,000 | 37,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,182,000 | 122,911,000 | 119,763,000 | 120,440,000 |
| Interest-bearing deposits | 96,824,000 | 104,178,000 | 101,188,000 | 99,846,000 |
| Noninterest-bearing deposits | 19,358,000 | 18,733,000 | 18,575,000 | 20,594,000 |
| Equity capital | 11,197,000 | 11,294,000 | 11,456,000 | 11,145,000 |
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 | 983,000 | 1,973,000 | 2,974,000 | 3,993,000 |
| Interest expense | 72,000 | 133,000 | 195,000 | 255,000 |
| Net interest income | 911,000 | 1,840,000 | 2,779,000 | 3,738,000 |
| Noninterest income | 103,000 | 212,000 | 316,000 | 423,000 |
| Noninterest expense | 671,000 | 1,367,000 | 2,083,000 | 2,861,000 |
| Provision for loan losses | 22,000 | 45,000 | 67,000 | 90,000 |
| Pretax income | 321,000 | 640,000 | 945,000 | 1,210,000 |
| Income tax | -19,000 | -15,000 | -12,000 | -10,000 |
| Net income | 340,000 | 655,000 | 957,000 | 1,220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,958,000 | 10,793,000 | 11,095,000 | 11,357,000 |
| Total capital | 11,742,000 | 11,571,000 | 11,905,000 | 12,168,000 |
| Risk-weighted assets | 62,424,000 | 61,942,000 | 64,462,000 | 64,543,000 |