Call reports 2018
ST. MARYS STATE BANK, THE — 2018
What ST. MARYS STATE BANK, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 |
|---|---|---|
| Total assets | 94,379,000 | 95,050,000 |
| Total loans | 64,119,000 | 61,461,000 |
| Allowance for loan losses | 1,081,000 | 1,083,000 |
| Securities available for sale | 21,791,000 | 22,566,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 80,471,000 | 81,385,000 |
| Interest-bearing deposits | 59,957,000 | 59,153,000 |
| Noninterest-bearing deposits | 20,514,000 | 22,232,000 |
| Equity capital | 11,365,000 | 11,083,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 |
|---|---|---|
| Interest income | 988,000 | 1,996,000 |
| Interest expense | 142,000 | 277,000 |
| Net interest income | 846,000 | 1,719,000 |
| Noninterest income | 147,000 | 327,000 |
| Noninterest expense | 713,000 | 2,050,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 280,000 | -4,000 |
| Income tax | -28,000 | -28,000 |
| Net income | 308,000 | 24,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 |
|---|---|---|
| Tier 1 capital | 11,642,000 | 11,358,000 |
| Total capital | 12,647,000 | 12,353,000 |
| Risk-weighted assets | 80,374,000 | 79,580,000 |