Call reports 2016
COMMUNITY STATE BANK OF ORBISONIA — 2016
What COMMUNITY STATE BANK OF ORBISONIA 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 | 320,298,000 | 322,716,000 | 325,328,000 | 322,753,000 |
| Total loans | 270,688,000 | 271,280,000 | 271,992,000 | 270,387,000 |
| Allowance for loan losses | 2,994,000 | 3,073,000 | 3,213,000 | 3,356,000 |
| Securities available for sale | 19,027,000 | 17,034,000 | 17,027,000 | 18,199,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,109,000 | 284,201,000 | 286,772,000 | 284,765,000 |
| Interest-bearing deposits | 266,231,000 | 266,401,000 | 267,037,000 | 266,355,000 |
| Noninterest-bearing deposits | 16,878,000 | 17,800,000 | 19,735,000 | 18,410,000 |
| Equity capital | 33,039,000 | 33,394,000 | 33,835,000 | 34,148,000 |
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 | 3,536,000 | 7,042,000 | 10,599,000 | 14,147,000 |
| Interest expense | 678,000 | 1,339,000 | 1,988,000 | 2,612,000 |
| Net interest income | 2,858,000 | 5,703,000 | 8,611,000 | 11,535,000 |
| Noninterest income | 404,000 | 874,000 | 1,321,000 | 1,738,000 |
| Noninterest expense | 2,404,000 | 4,593,000 | 7,017,000 | 9,356,000 |
| Provision for loan losses | 195,000 | 390,000 | 585,000 | 780,000 |
| Pretax income | 663,000 | 1,594,000 | 2,330,000 | 3,137,000 |
| Income tax | 225,000 | 485,000 | 654,000 | 895,000 |
| Net income | 438,000 | 1,109,000 | 1,676,000 | 2,242,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,043,000 | 33,330,000 | 33,757,000 | 34,100,000 |
| Total capital | 35,499,000 | 35,807,000 | 36,249,000 | 36,572,000 |
| Risk-weighted assets | 195,904,000 | 197,566,000 | 198,653,000 | 196,797,000 |