Call reports 2016
WHITE STATE BANK — 2016
What WHITE 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 | 36,197,000 | 36,094,000 | 36,572,000 | 36,534,000 |
| Total loans | 22,935,000 | 21,558,000 | 22,109,000 | 22,033,000 |
| Allowance for loan losses | 331,000 | 331,000 | 329,000 | 285,000 |
| Securities available for sale | 9,524,000 | 9,050,000 | 9,583,000 | 9,758,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,049,000 | 29,605,000 | 30,397,000 | 30,524,000 |
| Interest-bearing deposits | 24,447,000 | 24,116,000 | 24,165,000 | 25,410,000 |
| Noninterest-bearing deposits | 5,602,000 | 5,489,000 | 6,232,000 | 5,114,000 |
| Equity capital | 6,011,000 | 6,299,000 | 6,049,000 | 5,953,000 |
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 | 348,000 | 690,000 | 1,020,000 | 1,356,000 |
| Interest expense | 37,000 | 72,000 | 109,000 | 147,000 |
| Net interest income | 311,000 | 618,000 | 911,000 | 1,209,000 |
| Noninterest income | 27,000 | 205,000 | 228,000 | 253,000 |
| Noninterest expense | 156,000 | 307,000 | 461,000 | 641,000 |
| Provision for loan losses | 0 | 0 | 0 | 30,000 |
| Pretax income | 182,000 | 516,000 | 678,000 | 791,000 |
| Income tax | 62,000 | 182,000 | 238,000 | 276,000 |
| Net income | 120,000 | 334,000 | 440,000 | 515,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,975,000 | 5,190,000 | 4,996,000 | 5,070,000 |
| Total capital | 5,306,000 | 5,516,000 | 5,325,000 | 5,355,000 |
| Risk-weighted assets | 27,112,000 | 26,080,000 | 27,307,000 | 28,385,000 |