Call reports 2016
STATE BANK & TRUST OF KENMARE — 2016
What STATE BANK & TRUST OF KENMARE 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 | 114,014,000 | 110,908,000 | 111,368,000 | 111,228,000 |
| Total loans | 77,610,000 | 75,262,000 | 76,800,000 | 75,894,000 |
| Allowance for loan losses | 315,000 | 319,000 | 324,000 | 316,000 |
| Securities available for sale | 29,905,000 | 28,743,000 | 28,258,000 | 24,230,000 |
| Securities held to maturity | 532,000 | 160,000 | 160,000 | 135,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,028,000 | 95,004,000 | 92,893,000 | 95,764,000 |
| Interest-bearing deposits | 81,900,000 | 80,288,000 | 75,942,000 | 78,958,000 |
| Noninterest-bearing deposits | 15,128,000 | 14,716,000 | 16,951,000 | 16,806,000 |
| Equity capital | 11,710,000 | 11,446,000 | 11,400,000 | 11,044,000 |
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 | 1,010,000 | 1,994,000 | 3,005,000 | 3,988,000 |
| Interest expense | 93,000 | 284,000 | 383,000 | 468,000 |
| Net interest income | 917,000 | 1,710,000 | 2,622,000 | 3,520,000 |
| Noninterest income | 36,000 | 89,000 | 136,000 | 174,000 |
| Noninterest expense | 485,000 | 1,003,000 | 1,592,000 | 2,269,000 |
| Provision for loan losses | 100,000 | 100,000 | 100,000 | 100,000 |
| Pretax income | 368,000 | 696,000 | 1,066,000 | 1,352,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 368,000 | 696,000 | 1,066,000 | 1,352,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,614,000 | 11,235,000 | 11,255,000 | 11,195,000 |
| Total capital | 11,929,000 | 11,554,000 | 11,579,000 | 11,511,000 |
| Risk-weighted assets | 82,913,000 | 79,530,000 | 80,049,000 | 79,604,000 |