Call reports 2016
DEFIANCE STATE BANK — 2016
What DEFIANCE 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 | 33,563,000 | 33,141,000 | 33,387,000 | 34,336,000 |
| Total loans | 19,269,000 | 19,138,000 | 19,625,000 | 20,438,000 |
| Allowance for loan losses | 167,000 | 167,000 | 167,000 | 167,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,039,000 | 1,039,000 | 1,460,000 | 1,460,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,014,000 | 25,095,000 | 24,357,000 | 26,527,000 |
| Interest-bearing deposits | 21,768,000 | 21,891,000 | 20,389,000 | 22,940,000 |
| Noninterest-bearing deposits | 3,246,000 | 3,204,000 | 3,968,000 | 3,587,000 |
| Equity capital | 2,712,000 | 2,759,000 | 2,843,000 | 2,765,000 |
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 | 268,000 | 529,000 | 811,000 | 1,074,000 |
| Interest expense | 20,000 | 40,000 | 60,000 | 81,000 |
| Net interest income | 248,000 | 489,000 | 751,000 | 993,000 |
| Noninterest income | 17,000 | 33,000 | 52,000 | 74,000 |
| Noninterest expense | 203,000 | 414,000 | 609,000 | 928,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 62,000 | 108,000 | 194,000 | 119,000 |
| Income tax | 0 | 0 | 2,000 | 5,000 |
| Net income | 62,000 | 108,000 | 192,000 | 114,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,712,000 | 2,759,000 | 2,843,000 | 2,765,000 |
| Total capital | 2,879,000 | 2,926,000 | 3,010,000 | 2,932,000 |
| Risk-weighted assets | 23,369,000 | 23,197,000 | 26,066,000 | 24,985,000 |