Call reports 2016
ORMSBY STATE BANK — 2016
What ORMSBY 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 | 26,621,000 | 26,513,000 | 26,752,000 | 25,405,000 |
| Total loans | 12,294,000 | 12,490,000 | 11,403,000 | 11,332,000 |
| Allowance for loan losses | 202,000 | 202,000 | 202,000 | 202,000 |
| Securities available for sale | 7,748,000 | 7,538,000 | 7,246,000 | 7,846,000 |
| Securities held to maturity | 300,000 | 300,000 | 300,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,540,000 | 22,232,000 | 22,498,000 | 21,548,000 |
| Interest-bearing deposits | 18,938,000 | 18,842,000 | 19,378,000 | 17,777,000 |
| Noninterest-bearing deposits | 3,602,000 | 3,390,000 | 3,120,000 | 3,771,000 |
| Equity capital | 3,904,000 | 4,067,000 | 4,146,000 | 3,815,000 |
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 | 224,000 | 472,000 | 689,000 | 909,000 |
| Interest expense | 28,000 | 56,000 | 86,000 | 113,000 |
| Net interest income | 196,000 | 416,000 | 603,000 | 796,000 |
| Noninterest income | 11,000 | 21,000 | 46,000 | 49,000 |
| Noninterest expense | 112,000 | 229,000 | 361,000 | 478,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 95,000 | 208,000 | 288,000 | 367,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 95,000 | 208,000 | 288,000 | 367,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,764,000 | 3,877,000 | 3,957,000 | 3,766,000 |
| Total capital | 3,830,000 | 4,060,000 | 4,151,000 | 4,140,000 |
| Risk-weighted assets | 5,118,000 | 14,563,000 | 15,480,000 | 13,649,000 |