Call reports 2016
STATE BANK OF DELANO — 2016
What STATE BANK OF DELANO 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 | 83,235,000 | 84,223,000 | 84,871,000 | 84,603,000 |
| Total loans | 38,098,000 | 37,732,000 | 38,135,000 | 37,983,000 |
| Allowance for loan losses | 724,000 | 549,000 | 549,000 | 550,000 |
| Securities available for sale | 17,119,000 | 16,393,000 | 18,232,000 | 17,237,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,717,000 | 76,203,000 | 76,511,000 | 76,607,000 |
| Interest-bearing deposits | 57,394,000 | 58,369,000 | 56,755,000 | 58,141,000 |
| Noninterest-bearing deposits | 18,323,000 | 17,834,000 | 19,756,000 | 18,466,000 |
| Equity capital | 6,311,000 | 6,820,000 | 7,115,000 | 6,854,000 |
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 | 637,000 | 1,263,000 | 1,886,000 | 2,526,000 |
| Interest expense | 25,000 | 48,000 | 69,000 | 91,000 |
| Net interest income | 612,000 | 1,215,000 | 1,817,000 | 2,435,000 |
| Noninterest income | 498,000 | 816,000 | 1,208,000 | 1,449,000 |
| Noninterest expense | 711,000 | 1,408,000 | 2,085,000 | 2,835,000 |
| Provision for loan losses | 0 | -175,000 | -175,000 | -175,000 |
| Pretax income | 399,000 | 798,000 | 1,115,000 | 1,224,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 399,000 | 798,000 | 1,115,000 | 1,224,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,308,000 | 6,706,000 | 7,023,000 | 7,132,000 |
| Total capital | 6,924,000 | 7,255,000 | 7,572,000 | 7,682,000 |
| Risk-weighted assets | 49,207,000 | 48,248,000 | 47,373,000 | 47,127,000 |