Call reports 2016
BENTON COUNTY STATE BANK — 2016
What BENTON COUNTY 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 | 41,302,000 | 42,066,000 | 42,381,000 | 42,797,000 |
| Total loans | 31,469,000 | 32,090,000 | 32,283,000 | 31,759,000 |
| Allowance for loan losses | 247,000 | 247,000 | 247,000 | 247,000 |
| Securities available for sale | 5,700,000 | 5,755,000 | 6,494,000 | 7,756,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,216,000 | 29,023,000 | 29,130,000 | 30,841,000 |
| Interest-bearing deposits | 22,334,000 | 23,305,000 | 23,843,000 | 24,922,000 |
| Noninterest-bearing deposits | 5,882,000 | 5,718,000 | 5,287,000 | 5,919,000 |
| Equity capital | 6,026,000 | 6,015,000 | 6,142,000 | 5,925,000 |
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 | 464,000 | 954,000 | 1,425,000 | 1,887,000 |
| Interest expense | 68,000 | 134,000 | 204,000 | 274,000 |
| Net interest income | 396,000 | 820,000 | 1,221,000 | 1,613,000 |
| Noninterest income | 27,000 | 50,000 | 95,000 | 117,000 |
| Noninterest expense | 251,000 | 505,000 | 758,000 | 1,048,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 192,000 | 385,000 | 578,000 | 702,000 |
| Income tax | 60,000 | 122,000 | 175,000 | 211,000 |
| Net income | 132,000 | 263,000 | 403,000 | 491,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,955,000 | 5,906,000 | 6,046,000 | 5,954,000 |
| Total capital | 6,202,000 | 6,153,000 | 6,293,000 | 6,201,000 |
| Risk-weighted assets | 39,335,000 | 38,405,000 | 37,687,000 | 38,300,000 |