Call reports 2016
STATE BANK OF NEW RICHLAND — 2016
What STATE BANK OF NEW RICHLAND 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 | 98,608,000 | 100,847,000 | 99,148,000 | 99,776,000 |
| Total loans | 82,095,000 | 84,534,000 | 83,748,000 | 83,818,000 |
| Allowance for loan losses | 1,004,000 | 1,034,000 | 1,028,000 | 956,000 |
| Securities available for sale | 13,774,000 | 13,458,000 | 12,854,000 | 12,864,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,220,000 | 64,562,000 | 68,156,000 | 63,586,000 |
| Interest-bearing deposits | 55,872,000 | 55,684,000 | 59,720,000 | 52,943,000 |
| Noninterest-bearing deposits | 10,348,000 | 8,878,000 | 8,435,000 | 10,643,000 |
| Equity capital | 10,092,000 | 10,211,000 | 10,538,000 | 9,260,000 |
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 | 1,230,000 | 2,480,000 | 3,758,000 | 4,983,000 |
| Interest expense | 326,000 | 647,000 | 964,000 | 1,265,000 |
| Net interest income | 904,000 | 1,833,000 | 2,794,000 | 3,718,000 |
| Noninterest income | 76,000 | 132,000 | 184,000 | 246,000 |
| Noninterest expense | 402,000 | 752,000 | 1,127,000 | 1,647,000 |
| Provision for loan losses | 0 | 92,000 | 92,000 | 100,000 |
| Pretax income | 581,000 | 1,124,000 | 1,762,000 | 2,220,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 580,000 | 1,123,000 | 1,761,000 | 2,219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,183,000 | 9,239,000 | 9,632,000 | 8,747,000 |
| Total capital | 10,187,000 | 10,273,000 | 10,660,000 | 9,703,000 |
| Risk-weighted assets | 82,745,000 | 84,097,000 | 82,601,000 | 82,443,000 |