Call reports 2016
KINGSLEY STATE BANK — 2016
What KINGSLEY 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 | 181,690,000 | 179,495,000 | 180,224,000 | 184,407,000 |
| Total loans | 120,786,000 | 118,886,000 | 121,760,000 | 123,609,000 |
| Allowance for loan losses | 2,155,000 | 2,164,000 | 2,188,000 | 2,443,000 |
| Securities available for sale | 41,943,000 | 39,291,000 | 40,477,000 | 40,931,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,636,000 | 152,433,000 | 152,704,000 | 157,567,000 |
| Interest-bearing deposits | 130,691,000 | 137,037,000 | 136,192,000 | 140,162,000 |
| Noninterest-bearing deposits | 15,945,000 | 15,396,000 | 16,512,000 | 17,405,000 |
| Equity capital | 23,918,000 | 23,931,000 | 24,330,000 | 23,792,000 |
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 | 1,597,000 | 3,221,000 | 4,837,000 | 6,492,000 |
| Interest expense | 211,000 | 423,000 | 649,000 | 911,000 |
| Net interest income | 1,386,000 | 2,798,000 | 4,188,000 | 5,581,000 |
| Noninterest income | 115,000 | 284,000 | 479,000 | 621,000 |
| Noninterest expense | 919,000 | 1,779,000 | 2,671,000 | 3,643,000 |
| Provision for loan losses | 0 | 0 | 0 | 250,000 |
| Pretax income | 645,000 | 1,394,000 | 2,087,000 | 2,434,000 |
| Income tax | 32,000 | 70,000 | 104,000 | 104,000 |
| Net income | 613,000 | 1,324,000 | 1,983,000 | 2,330,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,193,000 | 23,050,000 | 23,566,000 | 23,801,000 |
| Total capital | 24,879,000 | 24,832,000 | 25,378,000 | 25,685,000 |
| Risk-weighted assets | 134,422,000 | 142,166,000 | 144,594,000 | 150,136,000 |