Call reports 2016
COULEE BANK — 2016
What COULEE 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 | 345,894,000 | 334,058,000 | 337,147,000 | 342,026,000 |
| Total loans | 254,410,000 | 244,374,000 | 251,276,000 | 253,607,000 |
| Allowance for loan losses | 2,545,000 | 2,630,000 | 2,740,000 | 2,855,000 |
| Securities available for sale | 74,313,000 | 74,357,000 | 78,148,000 | 77,915,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 281,826,000 | 266,412,000 | 269,351,000 | 265,487,000 |
| Interest-bearing deposits | 176,146,000 | 159,903,000 | 158,835,000 | 151,222,000 |
| Noninterest-bearing deposits | 105,680,000 | 106,509,000 | 110,516,000 | 114,265,000 |
| Equity capital | 31,032,000 | 31,283,000 | 31,518,000 | 30,056,000 |
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 | 3,277,000 | 6,656,000 | 9,924,000 | 13,256,000 |
| Interest expense | 502,000 | 1,024,000 | 1,510,000 | 1,984,000 |
| Net interest income | 2,775,000 | 5,632,000 | 8,414,000 | 11,272,000 |
| Noninterest income | 421,000 | 862,000 | 1,291,000 | 1,749,000 |
| Noninterest expense | 2,117,000 | 4,300,000 | 6,555,000 | 8,756,000 |
| Provision for loan losses | 120,000 | 200,000 | 320,000 | 440,000 |
| Pretax income | 959,000 | 1,994,000 | 2,830,000 | 3,825,000 |
| Income tax | 1,000 | 3,000 | 3,000 | 0 |
| Net income | 958,000 | 1,991,000 | 2,827,000 | 3,825,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,452,000 | 29,534,000 | 29,894,000 | 30,416,000 |
| Total capital | 31,998,000 | 32,164,000 | 32,634,000 | 33,271,000 |
| Risk-weighted assets | 254,920,000 | 244,636,000 | 257,176,000 | 258,004,000 |