Call reports 2016
MILLEDGEVILLE STATE BANK — 2016
What MILLEDGEVILLE 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 | 117,530,000 | 121,015,000 | 122,193,000 | 125,106,000 |
| Total loans | 76,860,000 | 77,880,000 | 79,042,000 | 77,765,000 |
| Allowance for loan losses | 930,000 | 1,046,000 | 1,070,000 | 1,080,000 |
| Securities available for sale | 31,144,000 | 32,307,000 | 33,038,000 | 32,207,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,677,000 | 88,523,000 | 90,031,000 | 91,388,000 |
| Interest-bearing deposits | 77,551,000 | 78,683,000 | 81,376,000 | 80,976,000 |
| Noninterest-bearing deposits | 9,126,000 | 9,840,000 | 8,655,000 | 10,412,000 |
| Equity capital | 13,592,000 | 13,850,000 | 14,114,000 | 13,609,000 |
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 | 1,271,000 | 2,525,000 | 3,779,000 | 5,072,000 |
| Interest expense | 192,000 | 405,000 | 626,000 | 854,000 |
| Net interest income | 1,079,000 | 2,120,000 | 3,153,000 | 4,218,000 |
| Noninterest income | 53,000 | 111,000 | 177,000 | 233,000 |
| Noninterest expense | 496,000 | 980,000 | 1,496,000 | 2,028,000 |
| Provision for loan losses | 78,000 | 193,000 | 217,000 | 217,000 |
| Pretax income | 566,000 | 1,073,000 | 1,639,000 | 2,225,000 |
| Income tax | 7,000 | 13,000 | 20,000 | 26,000 |
| Net income | 559,000 | 1,060,000 | 1,619,000 | 2,199,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,630,000 | 12,714,000 | 13,013,000 | 13,593,000 |
| Total capital | 13,560,000 | 13,760,000 | 14,083,000 | 14,673,000 |
| Risk-weighted assets | 87,448,000 | 89,239,000 | 91,769,000 | 90,044,000 |