Call reports 2016
LAONA STATE BANK — 2016
What LAONA 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 | 174,877,000 | 172,373,000 | 179,501,000 | 179,985,000 |
| Total loans | 105,643,000 | 108,438,000 | 108,535,000 | 109,583,000 |
| Allowance for loan losses | 1,092,000 | 1,114,000 | 1,133,000 | 1,091,000 |
| Securities available for sale | 48,743,000 | 48,400,000 | 47,854,000 | 46,655,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,160,000 | 150,952,000 | 157,901,000 | 159,130,000 |
| Interest-bearing deposits | 131,031,000 | 128,098,000 | 132,865,000 | 134,360,000 |
| Noninterest-bearing deposits | 23,129,000 | 22,854,000 | 25,036,000 | 24,770,000 |
| Equity capital | 20,026,000 | 20,663,000 | 20,797,000 | 20,047,000 |
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 | 1,604,000 | 3,171,000 | 4,760,000 | 6,331,000 |
| Interest expense | 226,000 | 461,000 | 706,000 | 959,000 |
| Net interest income | 1,378,000 | 2,710,000 | 4,054,000 | 5,372,000 |
| Noninterest income | 97,000 | 172,000 | 267,000 | 339,000 |
| Noninterest expense | 903,000 | 1,803,000 | 2,722,000 | 3,700,000 |
| Provision for loan losses | 0 | 15,000 | 30,000 | 45,000 |
| Pretax income | 572,000 | 1,064,000 | 1,588,000 | 1,985,000 |
| Income tax | 149,000 | 295,000 | 500,000 | 617,000 |
| Net income | 423,000 | 769,000 | 1,088,000 | 1,368,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,513,000 | 18,887,000 | 19,235,000 | 19,490,000 |
| Total capital | 19,605,000 | 20,001,000 | 20,368,000 | 20,581,000 |
| Risk-weighted assets | 98,911,000 | 111,050,000 | 101,231,000 | 102,934,000 |
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