Call reports 2016
CHESTERFIELD STATE BANK — 2016
What CHESTERFIELD 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 | 21,373,000 | 20,441,000 | 19,450,000 | 20,190,000 |
| Total loans | 17,644,000 | 17,268,000 | 16,868,000 | 16,490,000 |
| Allowance for loan losses | 250,000 | 243,000 | 243,000 | 225,000 |
| Securities available for sale | 251,000 | 252,000 | 252,000 | 250,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,355,000 | 18,400,000 | 16,436,000 | 18,224,000 |
| Interest-bearing deposits | 15,736,000 | 15,065,000 | 13,441,000 | 13,406,000 |
| Noninterest-bearing deposits | 3,619,000 | 3,335,000 | 2,995,000 | 4,818,000 |
| Equity capital | 2,005,000 | 2,028,000 | 2,050,000 | 1,950,000 |
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 | 232,000 | 454,000 | 670,000 | 889,000 |
| Interest expense | 27,000 | 53,000 | 80,000 | 104,000 |
| Net interest income | 205,000 | 401,000 | 590,000 | 785,000 |
| Noninterest income | 21,000 | 39,000 | 59,000 | 77,000 |
| Noninterest expense | 132,000 | 295,000 | 450,000 | 606,000 |
| Provision for loan losses | 18,000 | 18,000 | 18,000 | 47,000 |
| Pretax income | 76,000 | 127,000 | 181,000 | 209,000 |
| Income tax | 3,000 | 2,000 | 4,000 | 5,000 |
| Net income | 73,000 | 125,000 | 177,000 | 204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,005,000 | 2,027,000 | 2,049,000 | 1,951,000 |
| Total capital | 2,183,000 | 2,203,000 | 2,219,000 | 2,128,000 |
| Risk-weighted assets | 14,239,000 | 14,038,000 | 13,601,000 | 14,143,000 |