Call reports 2016
BANK OF CASHTON — 2016
What BANK OF CASHTON 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 | 78,422,000 | 79,699,000 | 82,549,000 | 83,355,000 |
| Total loans | 48,497,000 | 50,840,000 | 54,655,000 | 55,028,000 |
| Allowance for loan losses | 688,000 | 670,000 | 686,000 | 702,000 |
| Securities available for sale | 17,265,000 | 17,459,000 | 16,495,000 | 16,251,000 |
| Securities held to maturity | 1,140,000 | 1,140,000 | 1,140,000 | 1,140,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,726,000 | 69,323,000 | 69,846,000 | 70,950,000 |
| Interest-bearing deposits | 58,429,000 | 57,594,000 | 59,144,000 | 59,298,000 |
| Noninterest-bearing deposits | 11,298,000 | 11,728,000 | 10,703,000 | 11,652,000 |
| Equity capital | 8,591,000 | 8,957,000 | 8,941,000 | 8,644,000 |
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 | 751,000 | 1,554,000 | 2,371,000 | 3,224,000 |
| Interest expense | 112,000 | 223,000 | 339,000 | 460,000 |
| Net interest income | 639,000 | 1,331,000 | 2,032,000 | 2,764,000 |
| Noninterest income | 101,000 | 158,000 | 268,000 | 398,000 |
| Noninterest expense | 478,000 | 912,000 | 1,363,000 | 1,803,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 247,000 | 553,000 | 919,000 | 1,326,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | 247,000 | 552,000 | 918,000 | 1,325,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,072,000 | 8,227,000 | 8,352,000 | 8,566,000 |
| Total capital | 8,760,000 | 8,897,000 | 9,038,000 | 9,268,000 |
| Risk-weighted assets | 57,032,000 | 58,575,000 | 62,618,000 | 62,152,000 |