Call reports 2016
FIRST NATURALSTATE BANK — 2016
What FIRST NATURALSTATE 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 | 52,922,000 | 50,385,000 | 51,593,000 | 51,665,000 |
| Total loans | 19,381,000 | 21,323,000 | 23,914,000 | 24,751,000 |
| Allowance for loan losses | 174,000 | 179,000 | 189,000 | 251,000 |
| Securities available for sale | 24,962,000 | 23,402,000 | 21,786,000 | 21,009,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,646,000 | 42,924,000 | 43,633,000 | 43,627,000 |
| Interest-bearing deposits | 29,450,000 | 27,849,000 | 28,156,000 | 28,310,000 |
| Noninterest-bearing deposits | 17,196,000 | 15,075,000 | 15,477,000 | 15,317,000 |
| Equity capital | 6,165,000 | 6,298,000 | 6,334,000 | 5,802,000 |
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 | 404,000 | 785,000 | 1,199,000 | 1,626,000 |
| Interest expense | 36,000 | 71,000 | 108,000 | 144,000 |
| Net interest income | 368,000 | 714,000 | 1,091,000 | 1,482,000 |
| Noninterest income | 38,000 | 81,000 | 124,000 | 170,000 |
| Noninterest expense | 354,000 | 700,000 | 1,052,000 | 1,405,000 |
| Provision for loan losses | 6,000 | 15,000 | 24,000 | 81,000 |
| Pretax income | 46,000 | 88,000 | 174,000 | 199,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 46,000 | 88,000 | 174,000 | 199,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,039,000 | 6,082,000 | 6,167,000 | 5,973,000 |
| Total capital | 6,387,000 | 6,440,000 | 6,545,000 | 6,475,000 |
| Risk-weighted assets | 23,803,000 | 25,731,000 | 27,456,000 | 28,712,000 |