Call reports 2016
MENNO STATE BANK — 2016
What MENNO STATE 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 | 36,655,000 | 36,072,000 | 35,894,000 | 36,049,000 |
| Total loans | 20,809,000 | 21,435,000 | 21,660,000 | 20,994,000 |
| Allowance for loan losses | 235,000 | 240,000 | 243,000 | 243,000 |
| Securities available for sale | 3,508,000 | 3,502,000 | 3,436,000 | 2,645,000 |
| Securities held to maturity | 6,385,000 | 5,951,000 | 5,525,000 | 5,126,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,360,000 | 31,299,000 | 31,095,000 | 31,545,000 |
| Interest-bearing deposits | 22,467,000 | 22,551,000 | 21,886,000 | 22,108,000 |
| Noninterest-bearing deposits | 9,893,000 | 8,748,000 | 9,210,000 | 9,437,000 |
| Equity capital | 3,769,000 | 3,845,000 | 3,935,000 | 3,800,000 |
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 | 309,000 | 620,000 | 935,000 | 1,249,000 |
| Interest expense | 14,000 | 27,000 | 43,000 | 57,000 |
| Net interest income | 295,000 | 593,000 | 892,000 | 1,192,000 |
| Noninterest income | 21,000 | 37,000 | 58,000 | 73,000 |
| Noninterest expense | 182,000 | 353,000 | 513,000 | 754,000 |
| Provision for loan losses | 2,000 | 7,000 | 10,000 | 10,000 |
| Pretax income | 132,000 | 270,000 | 427,000 | 501,000 |
| Income tax | 40,000 | 98,000 | 160,000 | 200,000 |
| Net income | 92,000 | 172,000 | 267,000 | 301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,769,000 | 3,823,000 | 3,919,000 | 3,803,000 |
| Total capital | 4,004,000 | 4,063,000 | 4,162,000 | 4,046,000 |
| Risk-weighted assets | 25,760,000 | 25,922,000 | 26,260,000 | 25,164,000 |