Call reports 2016
MONTEZUMA STATE BANK — 2016
What MONTEZUMA 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 | 36,414,000 | 36,249,000 | 35,727,000 | 35,390,000 |
| Total loans | 16,556,000 | 17,049,000 | 17,900,000 | 18,341,000 |
| Allowance for loan losses | 153,000 | 194,000 | 223,000 | 218,000 |
| Securities available for sale | 9,515,000 | 10,101,000 | 9,882,000 | 10,775,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,031,000 | 31,727,000 | 29,248,000 | 28,755,000 |
| Interest-bearing deposits | 26,534,000 | 25,364,000 | 24,049,000 | 23,446,000 |
| Noninterest-bearing deposits | 5,497,000 | 6,363,000 | 5,199,000 | 5,308,000 |
| Equity capital | 4,185,000 | 4,251,000 | 4,296,000 | 4,405,000 |
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 | 290,000 | 601,000 | 902,000 | 1,214,000 |
| Interest expense | 20,000 | 39,000 | 59,000 | 81,000 |
| Net interest income | 270,000 | 562,000 | 843,000 | 1,133,000 |
| Noninterest income | 49,000 | 121,000 | 170,000 | 502,000 |
| Noninterest expense | 253,000 | 514,000 | 756,000 | 996,000 |
| Provision for loan losses | 20,000 | 61,000 | 92,000 | 116,000 |
| Pretax income | 46,000 | 108,000 | 165,000 | 523,000 |
| Income tax | 12,000 | 29,000 | 45,000 | 165,000 |
| Net income | 34,000 | 79,000 | 120,000 | 358,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,734,000 | 3,783,000 | 3,827,000 | 4,070,000 |
| Total capital | 3,887,000 | 3,977,000 | 4,050,000 | 4,288,000 |
| Risk-weighted assets | 18,510,000 | 18,990,000 | 20,461,000 | 20,788,000 |