Call reports 2016
STATE BANK OF BLUE RAPIDS — 2016
What STATE BANK OF BLUE RAPIDS 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 | 45,024,000 | 46,205,000 | 46,035,000 | 46,884,000 |
| Total loans | 24,314,000 | 24,067,000 | 24,171,000 | 25,148,000 |
| Allowance for loan losses | 253,000 | 254,000 | 254,000 | 254,000 |
| Securities available for sale | 18,258,000 | 19,404,000 | 18,891,000 | 16,715,000 |
| Securities held to maturity | 233,000 | 233,000 | 233,000 | 200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,747,000 | 40,780,000 | 40,576,000 | 41,730,000 |
| Interest-bearing deposits | 32,122,000 | 34,952,000 | 35,068,000 | 35,825,000 |
| Noninterest-bearing deposits | 7,625,000 | 5,828,000 | 5,508,000 | 5,905,000 |
| Equity capital | 5,061,000 | 5,129,000 | 5,099,000 | 4,996,000 |
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 | 355,000 | 706,000 | 1,060,000 | 1,417,000 |
| Interest expense | 34,000 | 71,000 | 108,000 | 146,000 |
| Net interest income | 321,000 | 635,000 | 952,000 | 1,271,000 |
| Noninterest income | 40,000 | 74,000 | 115,000 | 151,000 |
| Noninterest expense | 287,000 | 571,000 | 855,000 | 1,177,000 |
| Provision for loan losses | 5,000 | 5,000 | 5,000 | 5,000 |
| Pretax income | 69,000 | 133,000 | 207,000 | 240,000 |
| Income tax | 0 | 18,000 | 49,000 | 60,000 |
| Net income | 69,000 | 115,000 | 158,000 | 180,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,020,000 | 5,042,000 | 5,037,000 | 5,035,000 |
| Total capital | 5,273,000 | 5,296,000 | 5,291,000 | 5,289,000 |
| Risk-weighted assets | 24,288,000 | 24,242,000 | 24,500,000 | 25,373,000 |