Call reports 2016
FIRST STATE BANK OF OLMSTED — 2016
What FIRST STATE BANK OF OLMSTED 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 | 48,259,000 | 48,283,000 | 47,708,000 | 47,498,000 |
| Total loans | 28,175,000 | 29,209,000 | 31,172,000 | 31,639,000 |
| Allowance for loan losses | 321,000 | 328,000 | 336,000 | 336,000 |
| Securities available for sale | 11,538,000 | 11,818,000 | 10,289,000 | 9,616,000 |
| Securities held to maturity | 1,889,000 | 1,877,000 | 1,876,000 | 1,875,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,645,000 | 42,387,000 | 41,228,000 | 41,725,000 |
| Interest-bearing deposits | 36,117,000 | 36,139,000 | 34,975,000 | 35,066,000 |
| Noninterest-bearing deposits | 6,528,000 | 6,248,000 | 6,253,000 | 6,659,000 |
| Equity capital | 5,380,000 | 5,566,000 | 5,633,000 | 5,498,000 |
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 | 449,000 | 908,000 | 1,385,000 | 1,871,000 |
| Interest expense | 55,000 | 108,000 | 164,000 | 216,000 |
| Net interest income | 394,000 | 800,000 | 1,221,000 | 1,655,000 |
| Noninterest income | 54,000 | 107,000 | 158,000 | 209,000 |
| Noninterest expense | 303,000 | 617,000 | 921,000 | 1,258,000 |
| Provision for loan losses | 9,000 | 16,000 | 24,000 | 29,000 |
| Pretax income | 136,000 | 274,000 | 431,000 | 574,000 |
| Income tax | 8,000 | 47,000 | 86,000 | 106,000 |
| Net income | 128,000 | 227,000 | 345,000 | 468,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,250,000 | 5,397,000 | 5,433,000 | 5,557,000 |
| Total capital | 5,571,000 | 5,725,000 | 5,769,000 | 5,893,000 |
| Risk-weighted assets | 26,842,000 | 27,910,000 | 29,371,000 | 30,009,000 |