Call reports 2016
STONE BANK — 2016
What STONE 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 | 106,082,000 | 126,790,000 | 134,763,000 | 152,113,000 |
| Total loans | 86,121,000 | 93,662,000 | 111,860,000 | 123,605,000 |
| Allowance for loan losses | 1,317,000 | 1,470,000 | 1,491,000 | 1,702,000 |
| Securities available for sale | 7,467,000 | 7,087,000 | 7,201,000 | 6,891,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,386,000 | 93,307,000 | 96,896,000 | 112,750,000 |
| Interest-bearing deposits | 70,744,000 | 85,469,000 | 87,529,000 | 103,628,000 |
| Noninterest-bearing deposits | 7,642,000 | 7,838,000 | 9,367,000 | 9,122,000 |
| Equity capital | 16,252,000 | 16,482,000 | 17,102,000 | 17,684,000 |
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 | 1,430,000 | 2,994,000 | 4,797,000 | 6,761,000 |
| Interest expense | 256,000 | 510,000 | 851,000 | 1,219,000 |
| Net interest income | 1,174,000 | 2,484,000 | 3,946,000 | 5,542,000 |
| Noninterest income | 720,000 | 1,877,000 | 3,338,000 | 5,316,000 |
| Noninterest expense | 1,259,000 | 2,727,000 | 4,420,000 | 6,238,000 |
| Provision for loan losses | 50,000 | 230,000 | 500,000 | 945,000 |
| Pretax income | 585,000 | 1,404,000 | 2,364,000 | 3,675,000 |
| Income tax | 224,000 | 538,000 | 905,000 | 1,406,000 |
| Net income | 361,000 | 866,000 | 1,459,000 | 2,269,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,329,000 | 15,517,000 | 16,109,000 | 16,919,000 |
| Total capital | 16,313,000 | 16,649,000 | 17,394,000 | 18,412,000 |
| Risk-weighted assets | 78,241,000 | 90,192,000 | 102,616,000 | 119,116,000 |