Call reports 2016
FIRST STATE BANK OF DEKALB COUNTY, INC. — 2016
What FIRST STATE BANK OF DEKALB COUNTY, INC. 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 | 93,940,000 | 97,775,000 | 178,992,000 | 184,104,000 |
| Total loans | 50,979,000 | 50,675,000 | 87,022,000 | 87,112,000 |
| Allowance for loan losses | 455,000 | 485,000 | 512,000 | 474,000 |
| Securities available for sale | 25,516,000 | 24,340,000 | 49,274,000 | 47,994,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,265,000 | 81,784,000 | 155,326,000 | 161,453,000 |
| Interest-bearing deposits | 59,195,000 | 57,681,000 | 111,270,000 | 115,534,000 |
| Noninterest-bearing deposits | 19,070,000 | 24,103,000 | 44,056,000 | 45,919,000 |
| Equity capital | 15,556,000 | 15,829,000 | 21,158,000 | 20,101,000 |
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 | 937,000 | 1,921,000 | 3,551,000 | 5,201,000 |
| Interest expense | 96,000 | 197,000 | 369,000 | 477,000 |
| Net interest income | 841,000 | 1,724,000 | 3,182,000 | 4,724,000 |
| Noninterest income | 131,000 | 265,000 | 526,000 | 630,000 |
| Noninterest expense | 811,000 | 1,582,000 | 2,649,000 | 4,052,000 |
| Provision for loan losses | 20,000 | 50,000 | 80,000 | 100,000 |
| Pretax income | 169,000 | 397,000 | 1,033,000 | 1,263,000 |
| Income tax | 42,000 | 57,000 | 57,000 | 324,000 |
| Net income | 127,000 | 340,000 | 976,000 | 939,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,454,000 | 15,668,000 | 18,540,000 | 18,404,000 |
| Total capital | 15,909,000 | 16,153,000 | 19,052,000 | 18,878,000 |
| Risk-weighted assets | 58,070,000 | 57,684,000 | 107,443,000 | 123,845,000 |