Call reports 2016
ROLFE STATE BANK — 2016
What ROLFE 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 | 44,606,000 | 44,480,000 | 44,269,000 | 43,167,000 |
| Total loans | 27,476,000 | 27,355,000 | 28,298,000 | 27,355,000 |
| Allowance for loan losses | 443,000 | 453,000 | 464,000 | 315,000 |
| Securities available for sale | 4,855,000 | 4,764,000 | 4,079,000 | 3,584,000 |
| Securities held to maturity | 7,818,000 | 7,768,000 | 7,754,000 | 7,739,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,623,000 | 36,950,000 | 35,667,000 | 37,369,000 |
| Interest-bearing deposits | 29,157,000 | 28,885,000 | 27,360,000 | 27,205,000 |
| Noninterest-bearing deposits | 8,466,000 | 8,064,000 | 8,307,000 | 10,164,000 |
| Equity capital | 5,244,000 | 5,260,000 | 5,300,000 | 5,167,000 |
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 | 460,000 | 929,000 | 1,390,000 | 1,839,000 |
| Interest expense | 33,000 | 68,000 | 103,000 | 138,000 |
| Net interest income | 427,000 | 861,000 | 1,287,000 | 1,701,000 |
| Noninterest income | 52,000 | 111,000 | 171,000 | 240,000 |
| Noninterest expense | 332,000 | 673,000 | 1,015,000 | 1,336,000 |
| Provision for loan losses | 11,000 | 21,000 | 32,000 | 182,000 |
| Pretax income | 136,000 | 278,000 | 411,000 | 423,000 |
| Income tax | 7,000 | 15,000 | 21,000 | 21,000 |
| Net income | 129,000 | 263,000 | 390,000 | 402,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,237,000 | 5,221,000 | 5,272,000 | 5,210,000 |
| Total capital | 5,636,000 | 5,617,000 | 5,673,000 | 5,525,000 |
| Risk-weighted assets | 31,886,000 | 31,644,000 | 32,036,000 | 31,053,000 |