Call reports 2016
FOX RIVER STATE BANK — 2016
What FOX 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 | 79,863,000 | 84,081,000 | 85,217,000 | 86,580,000 |
| Total loans | 57,453,000 | 58,163,000 | 59,505,000 | 61,082,000 |
| Allowance for loan losses | 1,627,000 | 1,636,000 | 1,556,000 | 1,678,000 |
| Securities available for sale | 8,078,000 | 8,888,000 | 8,551,000 | 8,001,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,798,000 | 72,842,000 | 73,781,000 | 75,246,000 |
| Interest-bearing deposits | 51,225,000 | 50,412,000 | 54,025,000 | 55,383,000 |
| Noninterest-bearing deposits | 17,573,000 | 22,430,000 | 19,756,000 | 19,863,000 |
| Equity capital | 10,804,000 | 10,917,000 | 11,015,000 | 11,011,000 |
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 | 797,000 | 1,532,000 | 2,316,000 | 3,104,000 |
| Interest expense | 59,000 | 120,000 | 182,000 | 246,000 |
| Net interest income | 738,000 | 1,412,000 | 2,134,000 | 2,858,000 |
| Noninterest income | 70,000 | 144,000 | 276,000 | 424,000 |
| Noninterest expense | 597,000 | 1,217,000 | 1,903,000 | 2,596,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 211,000 | 339,000 | 507,000 | 686,000 |
| Income tax | 83,000 | 133,000 | 198,000 | 287,000 |
| Net income | 128,000 | 206,000 | 309,000 | 399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,291,000 | 7,418,000 | 7,310,000 | 7,472,000 |
| Total capital | 8,036,000 | 8,179,000 | 8,070,000 | 8,253,000 |
| Risk-weighted assets | 57,365,000 | 58,694,000 | 58,605,000 | 60,176,000 |