Call reports 2016
STOCK EXCHANGE BANK — 2016
What STOCK EXCHANGE 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 | 50,991,000 | 50,303,000 | 50,599,000 | 50,342,000 |
| Total loans | 38,855,000 | 38,847,000 | 39,063,000 | 40,118,000 |
| Allowance for loan losses | 455,000 | 493,000 | 549,000 | 635,000 |
| Securities available for sale | 9,324,000 | 8,484,000 | 8,877,000 | 7,822,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,310,000 | 45,516,000 | 45,117,000 | 45,930,000 |
| Interest-bearing deposits | 38,740,000 | 39,177,000 | 38,726,000 | 39,647,000 |
| Noninterest-bearing deposits | 7,570,000 | 6,339,000 | 6,391,000 | 6,283,000 |
| Equity capital | 3,738,000 | 3,788,000 | 3,805,000 | 3,641,000 |
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 | 549,000 | 1,094,000 | 1,648,000 | 2,214,000 |
| Interest expense | 50,000 | 98,000 | 151,000 | 204,000 |
| Net interest income | 499,000 | 996,000 | 1,497,000 | 2,010,000 |
| Noninterest income | 53,000 | 93,000 | 143,000 | 188,000 |
| Noninterest expense | 441,000 | 856,000 | 1,303,000 | 1,771,000 |
| Provision for loan losses | 18,000 | 55,000 | 110,000 | 195,000 |
| Pretax income | 93,000 | 189,000 | 238,000 | 243,000 |
| Income tax | 32,000 | 68,000 | 79,000 | 75,000 |
| Net income | 61,000 | 121,000 | 159,000 | 168,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,680,000 | 3,721,000 | 3,735,000 | 3,724,000 |
| Total capital | 4,112,000 | 4,152,000 | 4,166,000 | 4,163,000 |
| Risk-weighted assets | 34,547,000 | 34,462,000 | 34,374,000 | 34,970,000 |