Call reports 2016
BENDENA STATE BANK — 2016
What BENDENA 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 | 59,658,000 | 60,775,000 | 61,920,000 | 61,466,000 |
| Total loans | 44,143,000 | 45,714,000 | 46,451,000 | 46,905,000 |
| Allowance for loan losses | 440,000 | 464,000 | 480,000 | 504,000 |
| Securities available for sale | 12,114,000 | 11,845,000 | 11,745,000 | 11,107,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,470,000 | 53,926,000 | 53,692,000 | 53,735,000 |
| Interest-bearing deposits | 40,047,000 | 39,366,000 | 40,098,000 | 40,084,000 |
| Noninterest-bearing deposits | 13,423,000 | 14,560,000 | 13,594,000 | 13,651,000 |
| Equity capital | 4,939,000 | 5,224,000 | 5,311,000 | 5,211,000 |
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 | 569,000 | 1,173,000 | 1,794,000 | 2,429,000 |
| Interest expense | 60,000 | 122,000 | 187,000 | 251,000 |
| Net interest income | 509,000 | 1,051,000 | 1,607,000 | 2,178,000 |
| Noninterest income | 41,000 | 93,000 | 150,000 | 220,000 |
| Noninterest expense | 372,000 | 721,000 | 1,070,000 | 1,431,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 96,000 |
| Pretax income | 154,000 | 375,000 | 615,000 | 871,000 |
| Income tax | 4,000 | 14,000 | 24,000 | 35,000 |
| Net income | 150,000 | 361,000 | 591,000 | 836,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,720,000 | 4,851,000 | 5,003,000 | 5,190,000 |
| Total capital | 5,160,000 | 5,315,000 | 5,483,000 | 5,694,000 |
| Risk-weighted assets | 45,596,000 | 48,613,000 | 48,852,000 | 49,241,000 |