Call reports 2016
BANCROFT STATE BANK — 2016
What BANCROFT 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 |
|---|---|---|---|
| Total assets | 70,867,000 | 68,989,000 | 72,032,000 |
| Total loans | 45,177,000 | 44,060,000 | 44,386,000 |
| Allowance for loan losses | 18,000 | 26,000 | 49,000 |
| Securities available for sale | 0 | 0 | 0 |
| Securities held to maturity | 10,031,000 | 8,960,000 | 10,110,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 62,566,000 | 60,569,000 | 63,536,000 |
| Interest-bearing deposits | 48,551,000 | 45,235,000 | 44,676,000 |
| Noninterest-bearing deposits | 14,015,000 | 15,334,000 | 18,860,000 |
| Equity capital | 8,254,000 | 8,372,000 | 8,445,000 |
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 |
|---|---|---|---|
| Interest income | 643,000 | 1,252,000 | 1,879,000 |
| Interest expense | 22,000 | 38,000 | 58,000 |
| Net interest income | 621,000 | 1,214,000 | 1,821,000 |
| Noninterest income | 91,000 | 182,000 | 279,000 |
| Noninterest expense | 475,000 | 942,000 | 1,424,000 |
| Provision for loan losses | 16,000 | 40,000 | 64,000 |
| Pretax income | 221,000 | 414,000 | 612,000 |
| Income tax | 0 | 0 | 0 |
| Net income | 221,000 | 414,000 | 612,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 |
|---|---|---|---|
| Tier 1 capital | 7,578,000 | 7,713,000 | 7,804,000 |
| Total capital | 7,596,000 | 7,739,000 | 7,853,000 |
| Risk-weighted assets | 44,017,000 | 42,999,000 | 43,714,000 |