Call reports 2016
ST. MARYS STATE BANK, THE — 2016
What ST. MARYS STATE 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 | 91,334,000 | 93,040,000 | 95,410,000 | 97,207,000 |
| Total loans | 57,101,000 | 56,426,000 | 56,302,000 | 61,231,000 |
| Allowance for loan losses | 1,056,000 | 1,037,000 | 1,049,000 | 1,076,000 |
| Securities available for sale | 26,078,000 | 25,578,000 | 25,350,000 | 25,428,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,404,000 | 74,600,000 | 76,814,000 | 75,598,000 |
| Interest-bearing deposits | 55,507,000 | 56,765,000 | 59,210,000 | 58,068,000 |
| Noninterest-bearing deposits | 16,897,000 | 17,835,000 | 17,604,000 | 17,530,000 |
| Equity capital | 10,692,000 | 10,774,000 | 10,872,000 | 10,494,000 |
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 | 889,000 | 1,798,000 | 2,731,000 | 3,658,000 |
| Interest expense | 158,000 | 315,000 | 471,000 | 633,000 |
| Net interest income | 731,000 | 1,483,000 | 2,260,000 | 3,025,000 |
| Noninterest income | 147,000 | 320,000 | 498,000 | 718,000 |
| Noninterest expense | 663,000 | 1,560,000 | 2,222,000 | 2,902,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 215,000 | 243,000 | 536,000 | 841,000 |
| Income tax | 30,000 | 42,000 | 54,000 | 63,000 |
| Net income | 185,000 | 201,000 | 482,000 | 778,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,163,000 | 10,132,000 | 10,413,000 | 10,658,000 |
| Total capital | 11,077,000 | 11,035,000 | 11,323,000 | 11,634,000 |
| Risk-weighted assets | 72,979,000 | 72,177,000 | 72,695,000 | 78,013,000 |