Call reports 2016
STATE BANK OF LISMORE — 2016
What STATE BANK OF LISMORE 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 | 55,057,000 | 55,604,000 | 53,041,000 | 56,463,000 |
| Total loans | 50,816,000 | 48,398,000 | 47,775,000 | 50,809,000 |
| Allowance for loan losses | 354,000 | 363,000 | 372,000 | 349,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 510,000 | 510,000 | 510,000 | 510,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,605,000 | 43,366,000 | 40,446,000 | 43,178,000 |
| Interest-bearing deposits | 34,631,000 | 35,406,000 | 33,355,000 | 33,099,000 |
| Noninterest-bearing deposits | 7,974,000 | 7,960,000 | 7,091,000 | 10,079,000 |
| Equity capital | 5,470,000 | 5,563,000 | 5,668,000 | 5,562,000 |
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 | 653,000 | 1,288,000 | 1,900,000 | 2,537,000 |
| Interest expense | 80,000 | 162,000 | 243,000 | 322,000 |
| Net interest income | 573,000 | 1,126,000 | 1,657,000 | 2,215,000 |
| Noninterest income | 42,000 | 82,000 | 130,000 | 178,000 |
| Noninterest expense | 378,000 | 762,000 | 1,142,000 | 1,596,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 228,000 | 428,000 | 618,000 | 761,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 227,000 | 427,000 | 617,000 | 760,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,470,000 | 5,563,000 | 5,668,000 | 5,562,000 |
| Total capital | 5,824,000 | 5,926,000 | 6,040,000 | 5,911,000 |
| Risk-weighted assets | 52,384,000 | 50,837,000 | 49,797,000 | 52,838,000 |