Call reports 2016
STATE CENTRAL BANK — 2016
What STATE CENTRAL 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 | 48,664,000 | 43,032,000 | 39,608,000 | 39,920,000 |
| Total loans | 27,827,000 | 27,018,000 | 25,921,000 | 24,787,000 |
| Allowance for loan losses | 2,556,000 | 1,562,000 | 1,608,000 | 1,636,000 |
| Securities available for sale | 865,000 | 814,000 | 815,000 | 1,599,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,063,000 | 37,790,000 | 34,462,000 | 34,940,000 |
| Interest-bearing deposits | 37,778,000 | 31,927,000 | 28,580,000 | 28,186,000 |
| Noninterest-bearing deposits | 6,285,000 | 5,863,000 | 5,882,000 | 6,754,000 |
| Equity capital | 4,414,000 | 5,047,000 | 4,958,000 | 4,764,000 |
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 | 389,000 | 752,000 | 1,087,000 | 1,403,000 |
| Interest expense | 54,000 | 105,000 | 144,000 | 177,000 |
| Net interest income | 335,000 | 647,000 | 943,000 | 1,226,000 |
| Noninterest income | 156,000 | 273,000 | 384,000 | 477,000 |
| Noninterest expense | 541,000 | 1,337,000 | 1,833,000 | 2,391,000 |
| Provision for loan losses | 0 | -1,000,000 | -1,000,000 | -1,000,000 |
| Pretax income | -50,000 | 583,000 | 494,000 | 312,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -50,000 | 583,000 | 494,000 | 312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,631,000 | 4,264,000 | 4,175,000 | 3,993,000 |
| Total capital | 4,039,000 | 4,640,000 | 4,544,000 | 4,360,000 |
| Risk-weighted assets | 29,992,000 | 28,457,000 | 27,837,000 | 27,595,000 |