Call reports 2016
BANK OF ST. FRANCISVILLE — 2016
What BANK OF ST. FRANCISVILLE 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 | 110,167,000 | 109,099,000 | 111,097,000 | 123,356,000 |
| Total loans | 78,640,000 | 79,570,000 | 78,947,000 | 78,159,000 |
| Allowance for loan losses | 1,107,000 | 1,022,000 | 1,072,000 | 1,117,000 |
| Securities available for sale | 18,131,000 | 17,046,000 | 17,780,000 | 21,466,000 |
| Securities held to maturity | 249,000 | 249,000 | 250,000 | 250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,926,000 | 95,611,000 | 97,387,000 | 109,974,000 |
| Interest-bearing deposits | 63,375,000 | 62,172,000 | 62,440,000 | 73,076,000 |
| Noninterest-bearing deposits | 33,551,000 | 33,438,000 | 34,948,000 | 36,898,000 |
| Equity capital | 11,915,000 | 11,987,000 | 12,071,000 | 11,908,000 |
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 | 1,355,000 | 2,663,000 | 3,997,000 | 5,323,000 |
| Interest expense | 49,000 | 97,000 | 146,000 | 195,000 |
| Net interest income | 1,306,000 | 2,566,000 | 3,851,000 | 5,128,000 |
| Noninterest income | 234,000 | 528,000 | 750,000 | 982,000 |
| Noninterest expense | 1,178,000 | 2,401,000 | 3,531,000 | 4,632,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 317,000 | 603,000 | 938,000 | 1,301,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 317,000 | 603,000 | 938,000 | 1,301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,845,000 | 11,770,000 | 11,926,000 | 12,285,000 |
| Total capital | 12,849,000 | 12,781,000 | 12,945,000 | 13,328,000 |
| Risk-weighted assets | 80,255,000 | 80,887,000 | 81,431,000 | 83,347,000 |