Call reports 2016
FORD COUNTY STATE BANK — 2016
What FORD COUNTY 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 | 38,601,000 | 36,480,000 | 36,358,000 | 36,308,000 |
| Total loans | 25,174,000 | 25,732,000 | 26,140,000 | 24,892,000 |
| Allowance for loan losses | 439,000 | 453,000 | 447,000 | 474,000 |
| Securities available for sale | 3,526,000 | 3,501,000 | 4,557,000 | 3,843,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,331,000 | 31,132,000 | 30,856,000 | 30,853,000 |
| Interest-bearing deposits | 28,915,000 | 27,321,000 | 26,631,000 | 26,284,000 |
| Noninterest-bearing deposits | 4,416,000 | 3,811,000 | 4,225,000 | 4,569,000 |
| Equity capital | 4,960,000 | 5,052,000 | 5,164,000 | 5,172,000 |
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 | 380,000 | 716,000 | 1,080,000 | 1,491,000 |
| Interest expense | 17,000 | 34,000 | 54,000 | 72,000 |
| Net interest income | 363,000 | 682,000 | 1,026,000 | 1,419,000 |
| Noninterest income | 25,000 | 44,000 | 62,000 | 76,000 |
| Noninterest expense | 289,000 | 501,000 | 716,000 | 928,000 |
| Provision for loan losses | 0 | 13,000 | 18,000 | 48,000 |
| Pretax income | 99,000 | 212,000 | 354,000 | 519,000 |
| Income tax | 30,000 | 76,000 | 118,000 | 187,000 |
| Net income | 69,000 | 136,000 | 236,000 | 332,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,915,000 | 5,052,000 | 5,081,000 | 5,178,000 |
| Total capital | 5,335,000 | 5,423,000 | 5,441,000 | 5,520,000 |
| Risk-weighted assets | 33,576,000 | 29,618,000 | 28,706,000 | 27,293,000 |