Call reports 2016
FIRST STATE BANK OF CANDO — 2016
What FIRST STATE BANK OF CANDO 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 | 56,698,000 | 59,691,000 | 56,911,000 | 58,407,000 |
| Total loans | 32,304,000 | 33,118,000 | 32,763,000 | 31,393,000 |
| Allowance for loan losses | 308,000 | 308,000 | 329,000 | 212,000 |
| Securities available for sale | 21,566,000 | 22,468,000 | 21,715,000 | 22,617,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,604,000 | 52,346,000 | 49,446,000 | 52,133,000 |
| Interest-bearing deposits | 40,397,000 | 40,771,000 | 39,175,000 | 39,393,000 |
| Noninterest-bearing deposits | 9,207,000 | 11,575,000 | 10,271,000 | 12,740,000 |
| Equity capital | 5,649,000 | 5,893,000 | 5,981,000 | 5,332,000 |
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 | 520,000 | 1,017,000 | 1,544,000 | 2,037,000 |
| Interest expense | 57,000 | 113,000 | 169,000 | 223,000 |
| Net interest income | 463,000 | 904,000 | 1,375,000 | 1,814,000 |
| Noninterest income | 43,000 | 77,000 | 116,000 | 162,000 |
| Noninterest expense | 397,000 | 782,000 | 1,165,000 | 1,558,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 106,000 | 194,000 | 319,000 | 402,000 |
| Income tax | 5,000 | 8,000 | 14,000 | 17,000 |
| Net income | 101,000 | 186,000 | 305,000 | 385,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,296,000 | 5,381,000 | 5,499,000 | 5,430,000 |
| Total capital | 5,604,000 | 5,689,000 | 5,828,000 | 5,642,000 |
| Risk-weighted assets | 36,969,000 | 38,222,000 | 36,914,000 | 36,269,000 |