Call reports 2016
ROOT RIVER STATE BANK — 2016
What ROOT RIVER 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 | 67,690,000 | 68,112,000 | 68,088,000 | 69,259,000 |
| Total loans | 34,055,000 | 35,552,000 | 35,179,000 | 35,604,000 |
| Allowance for loan losses | 238,000 | 242,000 | 242,000 | 243,000 |
| Securities available for sale | 15,014,000 | 14,723,000 | 14,861,000 | 13,937,000 |
| Securities held to maturity | 10,824,000 | 11,998,000 | 11,814,000 | 12,262,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,677,000 | 57,967,000 | 57,818,000 | 61,339,000 |
| Interest-bearing deposits | 55,022,000 | 53,032,000 | 53,045,000 | 56,446,000 |
| Noninterest-bearing deposits | 4,656,000 | 4,935,000 | 4,773,000 | 4,894,000 |
| Equity capital | 7,842,000 | 7,985,000 | 8,062,000 | 7,868,000 |
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 | 525,000 | 1,069,000 | 1,613,000 | 2,151,000 |
| Interest expense | 47,000 | 92,000 | 138,000 | 181,000 |
| Net interest income | 478,000 | 977,000 | 1,475,000 | 1,970,000 |
| Noninterest income | 35,000 | 68,000 | 100,000 | 135,000 |
| Noninterest expense | 430,000 | 868,000 | 1,301,000 | 1,738,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 86,000 | 180,000 | 277,000 | 371,000 |
| Income tax | 12,000 | 26,000 | 43,000 | 52,000 |
| Net income | 74,000 | 154,000 | 234,000 | 319,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,688,000 | 7,765,000 | 7,845,000 | 7,933,000 |
| Total capital | 7,926,000 | 8,007,000 | 8,087,000 | 8,176,000 |
| Risk-weighted assets | 39,473,000 | 40,704,000 | 40,377,000 | 40,720,000 |