Call reports 2016
CARSON BANK — 2016
What CARSON 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 | 110,818,000 | 110,841,000 | 112,412,000 | 110,623,000 |
| Total loans | 63,663,000 | 62,619,000 | 61,881,000 | 65,970,000 |
| Allowance for loan losses | 604,000 | 647,000 | 640,000 | 640,000 |
| Securities available for sale | 23,635,000 | 26,411,000 | 28,780,000 | 27,648,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,618,000 | 101,071,000 | 102,623,000 | 99,835,000 |
| Interest-bearing deposits | 73,877,000 | 75,098,000 | 72,976,000 | 74,536,000 |
| Noninterest-bearing deposits | 27,741,000 | 25,973,000 | 29,647,000 | 25,299,000 |
| Equity capital | 9,057,000 | 9,446,000 | 9,414,000 | 8,967,000 |
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 | 855,000 | 1,722,000 | 2,599,000 | 3,518,000 |
| Interest expense | 43,000 | 89,000 | 137,000 | 184,000 |
| Net interest income | 812,000 | 1,633,000 | 2,462,000 | 3,334,000 |
| Noninterest income | 251,000 | 815,000 | 1,091,000 | 1,389,000 |
| Noninterest expense | 892,000 | 2,015,000 | 2,983,000 | 4,053,000 |
| Provision for loan losses | 0 | 40,000 | 40,000 | 40,000 |
| Pretax income | 188,000 | 410,000 | 556,000 | 658,000 |
| Income tax | 7,000 | 16,000 | 22,000 | 27,000 |
| Net income | 181,000 | 394,000 | 534,000 | 631,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,040,000 | 9,140,000 | 9,099,000 | 9,214,000 |
| Total capital | 9,644,000 | 9,787,000 | 9,739,000 | 9,854,000 |
| Risk-weighted assets | 64,522,000 | 62,845,000 | 60,683,000 | 62,929,000 |
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