Call reports 2016
ELK STATE BANK — 2016
What ELK 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 | 51,226,000 | 96,228,000 | 95,439,000 | 95,057,000 |
| Total loans | 25,664,000 | 51,244,000 | 53,223,000 | 53,745,000 |
| Allowance for loan losses | 386,000 | 392,000 | 516,000 | 757,000 |
| Securities available for sale | 22,984,000 | 38,292,000 | 37,426,000 | 36,533,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,680,000 | 75,828,000 | 78,570,000 | 76,887,000 |
| Interest-bearing deposits | 32,890,000 | 62,467,000 | 65,511,000 | 60,508,000 |
| Noninterest-bearing deposits | 7,790,000 | 13,361,000 | 13,059,000 | 16,379,000 |
| Equity capital | 4,119,000 | 9,968,000 | 9,831,000 | 9,114,000 |
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 | 481,000 | 1,126,000 | 1,995,000 | 2,896,000 |
| Interest expense | 74,000 | 176,000 | 327,000 | 472,000 |
| Net interest income | 407,000 | 950,000 | 1,668,000 | 2,424,000 |
| Noninterest income | 32,000 | 63,000 | 83,000 | 104,000 |
| Noninterest expense | 349,000 | 803,000 | 1,459,000 | 2,066,000 |
| Provision for loan losses | 0 | 4,000 | 126,000 | 402,000 |
| Pretax income | 90,000 | 206,000 | 163,000 | 25,000 |
| Income tax | 43,000 | 59,000 | 21,000 | -13,000 |
| Net income | 47,000 | 147,000 | 142,000 | 38,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,904,000 | 9,435,000 | 9,436,000 | 9,339,000 |
| Total capital | 4,199,000 | 9,827,000 | 9,952,000 | 10,012,000 |
| Risk-weighted assets | 23,540,000 | 51,201,000 | 51,373,000 | 53,809,000 |