Call reports 2016
COLCHESTER STATE BANK — 2016
What COLCHESTER 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 | 61,111,000 | 57,865,000 | 61,150,000 | 59,502,000 |
| Total loans | 24,422,000 | 24,641,000 | 24,990,000 | 23,967,000 |
| Allowance for loan losses | 593,000 | 611,000 | 608,000 | 585,000 |
| Securities available for sale | 29,873,000 | 29,282,000 | 29,814,000 | 31,449,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,049,000 | 48,571,000 | 51,729,000 | 50,755,000 |
| Interest-bearing deposits | 42,065,000 | 39,813,000 | 42,090,000 | 40,799,000 |
| Noninterest-bearing deposits | 9,984,000 | 8,758,000 | 9,639,000 | 9,956,000 |
| Equity capital | 8,736,000 | 8,924,000 | 9,043,000 | 8,614,000 |
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 | 484,000 | 982,000 | 1,435,000 | 1,893,000 |
| Interest expense | 66,000 | 132,000 | 197,000 | 262,000 |
| Net interest income | 418,000 | 850,000 | 1,238,000 | 1,631,000 |
| Noninterest income | 76,000 | 136,000 | 208,000 | 274,000 |
| Noninterest expense | 292,000 | 569,000 | 852,000 | 1,266,000 |
| Provision for loan losses | 0 | 26,000 | 56,000 | 65,000 |
| Pretax income | 203,000 | 408,000 | 555,000 | 591,000 |
| Income tax | 44,000 | 107,000 | 124,000 | 135,000 |
| Net income | 159,000 | 301,000 | 431,000 | 456,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,330,000 | 8,472,000 | 8,602,000 | 8,627,000 |
| Total capital | 8,697,000 | 8,829,000 | 8,972,000 | 8,987,000 |
| Risk-weighted assets | 29,165,000 | 28,306,000 | 29,392,000 | 28,587,000 |