Call reports 2017
DURAND STATE BANK — 2017
What DURAND STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 93,512,000 | 97,086,000 | 99,325,000 | 98,262,000 |
| Total loans | 52,217,000 | 54,173,000 | 53,827,000 | 55,893,000 |
| Allowance for loan losses | 607,000 | 630,000 | 627,000 | 592,000 |
| Securities available for sale | 28,521,000 | 29,527,000 | 28,613,000 | 29,118,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,413,000 | 85,757,000 | 87,732,000 | 86,702,000 |
| Interest-bearing deposits | 70,702,000 | 74,002,000 | 75,294,000 | 73,577,000 |
| Noninterest-bearing deposits | 11,711,000 | 11,756,000 | 12,438,000 | 13,125,000 |
| Equity capital | 9,740,000 | 10,209,000 | 10,373,000 | 10,155,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 792,000 | 1,578,000 | 2,405,000 | 3,269,000 |
| Interest expense | 97,000 | 200,000 | 313,000 | 429,000 |
| Net interest income | 695,000 | 1,378,000 | 2,092,000 | 2,840,000 |
| Noninterest income | 78,000 | 174,000 | 332,000 | 431,000 |
| Noninterest expense | 566,000 | 1,192,000 | 1,803,000 | 2,385,000 |
| Provision for loan losses | 20,000 | 54,000 | 60,000 | 72,000 |
| Pretax income | 187,000 | 310,000 | 558,000 | 814,000 |
| Income tax | 33,000 | 51,000 | 98,000 | 220,000 |
| Net income | 154,000 | 259,000 | 460,000 | 594,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,164,000 | 10,284,000 | 10,485,000 | 10,456,000 |
| Total capital | 10,771,000 | 10,914,000 | 11,112,000 | 11,048,000 |
| Risk-weighted assets | 58,379,000 | 61,304,000 | 62,101,000 | 63,849,000 |