Call reports 2016
DURAND STATE BANK — 2016
What DURAND 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 | 94,196,000 | 93,476,000 | 95,072,000 | 92,086,000 |
| Total loans | 56,151,000 | 55,190,000 | 54,884,000 | 54,032,000 |
| Allowance for loan losses | 611,000 | 630,000 | 550,000 | 586,000 |
| Securities available for sale | 27,634,000 | 29,201,000 | 30,412,000 | 27,045,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,867,000 | 80,541,000 | 82,007,000 | 81,394,000 |
| Interest-bearing deposits | 69,656,000 | 71,539,000 | 72,059,000 | 70,642,000 |
| Noninterest-bearing deposits | 10,212,000 | 9,002,000 | 9,948,000 | 10,753,000 |
| Equity capital | 10,606,000 | 10,903,000 | 11,018,000 | 9,523,000 |
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 | 859,000 | 1,697,000 | 2,524,000 | 3,343,000 |
| Interest expense | 98,000 | 192,000 | 292,000 | 393,000 |
| Net interest income | 761,000 | 1,505,000 | 2,232,000 | 2,950,000 |
| Noninterest income | 86,000 | 174,000 | 294,000 | 412,000 |
| Noninterest expense | 577,000 | 1,170,000 | 1,740,000 | 2,373,000 |
| Provision for loan losses | 17,000 | 30,000 | 121,000 | 161,000 |
| Pretax income | 287,000 | 562,000 | 771,000 | 660,000 |
| Income tax | 74,000 | 151,000 | 205,000 | 131,000 |
| Net income | 213,000 | 411,000 | 566,000 | 529,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,505,000 | 10,622,000 | 10,684,000 | 9,696,000 |
| Total capital | 11,116,000 | 11,252,000 | 11,234,000 | 10,282,000 |
| Risk-weighted assets | 62,543,000 | 61,176,000 | 60,544,000 | 58,667,000 |
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