Call reports 2016
ST. HENRY BANK, THE — 2016
What ST. HENRY BANK, THE 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 | 311,013,000 | 313,104,000 | 317,600,000 | 323,891,000 |
| Total loans | 164,030,000 | 173,844,000 | 183,103,000 | 192,157,000 |
| Allowance for loan losses | 1,870,000 | 1,985,000 | 2,000,000 | 2,200,000 |
| Securities available for sale | 126,879,000 | 122,367,000 | 115,427,000 | 101,261,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 252,091,000 | 249,143,000 | 248,323,000 | 260,292,000 |
| Interest-bearing deposits | 189,705,000 | 190,861,000 | 190,744,000 | 190,205,000 |
| Noninterest-bearing deposits | 62,386,000 | 58,282,000 | 57,579,000 | 70,087,000 |
| Equity capital | 43,581,000 | 43,891,000 | 43,859,000 | 42,449,000 |
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 | 2,694,000 | 5,493,000 | 8,381,000 | 11,255,000 |
| Interest expense | 265,000 | 532,000 | 808,000 | 1,072,000 |
| Net interest income | 2,429,000 | 4,961,000 | 7,573,000 | 10,183,000 |
| Noninterest income | 219,000 | 461,000 | 731,000 | 975,000 |
| Noninterest expense | 1,026,000 | 2,134,000 | 3,166,000 | 4,324,000 |
| Provision for loan losses | 15,000 | 130,000 | 145,000 | 345,000 |
| Pretax income | 1,648,000 | 3,200,000 | 5,040,000 | 6,540,000 |
| Income tax | 4,000 | 4,000 | 5,000 | 5,000 |
| Net income | 1,644,000 | 3,196,000 | 5,035,000 | 6,535,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,983,000 | 41,011,000 | 41,511,000 | 43,011,000 |
| Total capital | 43,853,000 | 42,996,000 | 43,511,000 | 45,211,000 |
| Risk-weighted assets | 181,380,000 | 196,801,000 | 200,338,000 | 213,157,000 |