Call reports 2016
BELGRADE STATE BANK — 2016
What BELGRADE 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 | 235,781,000 | 243,055,000 | 241,617,000 | 245,373,000 |
| Total loans | 182,439,000 | 190,001,000 | 194,128,000 | 201,741,000 |
| Allowance for loan losses | 940,000 | 1,048,000 | 1,152,000 | 1,281,000 |
| Securities available for sale | 25,375,000 | 22,928,000 | 22,293,000 | 20,949,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,218,000 | 218,423,000 | 216,529,000 | 218,871,000 |
| Interest-bearing deposits | 178,411,000 | 183,061,000 | 180,940,000 | 183,165,000 |
| Noninterest-bearing deposits | 33,807,000 | 35,362,000 | 35,589,000 | 35,706,000 |
| Equity capital | 22,149,000 | 22,945,000 | 23,601,000 | 21,571,000 |
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 | 2,478,000 | 5,068,000 | 7,761,000 | 10,467,000 |
| Interest expense | 226,000 | 468,000 | 733,000 | 963,000 |
| Net interest income | 2,252,000 | 4,600,000 | 7,028,000 | 9,504,000 |
| Noninterest income | 699,000 | 1,592,000 | 2,533,000 | 3,373,000 |
| Noninterest expense | 2,175,000 | 4,328,000 | 6,600,000 | 8,815,000 |
| Provision for loan losses | 90,000 | 250,000 | 340,000 | 830,000 |
| Pretax income | 749,000 | 1,746,000 | 2,802,000 | 3,414,000 |
| Income tax | 245,000 | 579,000 | 906,000 | 1,097,000 |
| Net income | 504,000 | 1,167,000 | 1,896,000 | 2,317,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,045,000 | 22,708,000 | 23,437,000 | 21,859,000 |
| Total capital | 22,985,000 | 23,756,000 | 24,589,000 | 23,140,000 |
| Risk-weighted assets | 165,230,000 | 168,468,000 | 168,379,000 | 175,787,000 |