Call reports 2016
CASTROVILLE STATE BANK — 2016
What CASTROVILLE 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 | 142,104,000 | 142,570,000 | 141,448,000 | 144,164,000 |
| Total loans | 68,503,000 | 72,388,000 | 75,178,000 | 78,071,000 |
| Allowance for loan losses | 667,000 | 673,000 | 711,000 | 735,000 |
| Securities available for sale | 60,318,000 | 58,957,000 | 56,831,000 | 54,529,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,575,000 | 128,559,000 | 127,390,000 | 130,939,000 |
| Interest-bearing deposits | 104,740,000 | 103,513,000 | 101,658,000 | 104,560,000 |
| Noninterest-bearing deposits | 23,835,000 | 25,046,000 | 25,732,000 | 26,379,000 |
| Equity capital | 13,178,000 | 13,593,000 | 13,696,000 | 13,065,000 |
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 | 1,195,000 | 2,414,000 | 3,660,000 | 4,907,000 |
| Interest expense | 130,000 | 264,000 | 398,000 | 530,000 |
| Net interest income | 1,065,000 | 2,150,000 | 3,262,000 | 4,377,000 |
| Noninterest income | 141,000 | 298,000 | 433,000 | 582,000 |
| Noninterest expense | 773,000 | 1,530,000 | 2,260,000 | 3,030,000 |
| Provision for loan losses | 30,000 | 70,000 | 130,000 | 190,000 |
| Pretax income | 403,000 | 848,000 | 1,301,000 | 1,735,000 |
| Income tax | 103,000 | 222,000 | 342,000 | 459,000 |
| Net income | 300,000 | 626,000 | 959,000 | 1,276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,492,000 | 12,976,000 | 13,233,000 | 13,232,000 |
| Total capital | 13,159,000 | 13,649,000 | 13,944,000 | 13,967,000 |
| Risk-weighted assets | 73,386,000 | 74,013,000 | 72,909,000 | 80,127,000 |