Call reports 2016
STATE BANK OF BOTTINEAU — 2016
What STATE BANK OF BOTTINEAU 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 | 74,746,000 | 76,768,000 | 78,321,000 | 73,031,000 |
| Total loans | 59,292,000 | 61,701,000 | 63,234,000 | 58,051,000 |
| Allowance for loan losses | 586,000 | 602,000 | 615,000 | 630,000 |
| Securities available for sale | 5,271,000 | 4,945,000 | 4,839,000 | 4,723,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,261,000 | 62,129,000 | 61,382,000 | 65,092,000 |
| Interest-bearing deposits | 47,877,000 | 48,917,000 | 48,254,000 | 49,412,000 |
| Noninterest-bearing deposits | 14,384,000 | 13,212,000 | 13,128,000 | 15,680,000 |
| Equity capital | 6,491,000 | 6,593,000 | 6,868,000 | 6,918,000 |
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 | 772,000 | 1,551,000 | 2,395,000 | 3,144,000 |
| Interest expense | 73,000 | 148,000 | 231,000 | 302,000 |
| Net interest income | 699,000 | 1,403,000 | 2,164,000 | 2,842,000 |
| Noninterest income | 26,000 | 115,000 | 160,000 | 210,000 |
| Noninterest expense | 514,000 | 1,044,000 | 1,559,000 | 2,092,000 |
| Provision for loan losses | 15,000 | 25,000 | 40,000 | 52,000 |
| Pretax income | 196,000 | 449,000 | 725,000 | 908,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 196,000 | 449,000 | 725,000 | 908,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,313,000 | 6,411,000 | 6,692,000 | 6,766,000 |
| Total capital | 6,899,000 | 7,013,000 | 7,306,000 | 7,396,000 |
| Risk-weighted assets | 61,063,000 | 62,678,000 | 64,414,000 | 59,936,000 |