Call reports 2016
STATE EXCHANGE BANK, THE — 2016
What STATE EXCHANGE BANK, THE 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 | 36,162,000 | 37,215,000 | 34,692,000 | 36,971,000 |
| Total loans | 15,239,000 | 15,808,000 | 15,821,000 | 14,606,000 |
| Allowance for loan losses | 216,000 | 194,000 | 213,000 | 215,000 |
| Securities available for sale | 17,024,000 | 16,642,000 | 15,044,000 | 14,693,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,177,000 | 29,850,000 | 28,773,000 | 32,846,000 |
| Interest-bearing deposits | 24,948,000 | 23,835,000 | 23,313,000 | 22,643,000 |
| Noninterest-bearing deposits | 6,229,000 | 6,015,000 | 5,460,000 | 10,203,000 |
| Equity capital | 4,250,000 | 4,474,000 | 4,477,000 | 4,099,000 |
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 | 313,000 | 627,000 | 935,000 | 1,232,000 |
| Interest expense | 35,000 | 69,000 | 103,000 | 134,000 |
| Net interest income | 278,000 | 558,000 | 832,000 | 1,098,000 |
| Noninterest income | 15,000 | 42,000 | 59,000 | 78,000 |
| Noninterest expense | 199,000 | 394,000 | 617,000 | 863,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 50,000 |
| Pretax income | 94,000 | 206,000 | 263,000 | 277,000 |
| Income tax | 1,000 | 7,000 | 10,000 | 17,000 |
| Net income | 93,000 | 199,000 | 253,000 | 260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,000,000 | 4,106,000 | 4,161,000 | 4,167,000 |
| Total capital | 4,216,000 | 4,300,000 | 4,374,000 | 4,382,000 |
| Risk-weighted assets | 20,702,000 | 19,591,000 | 20,645,000 | 24,923,000 |