Call reports 2016
BANK OF STRONGHURST — 2016
What BANK OF STRONGHURST 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 | 76,368,000 | 75,560,000 | 75,326,000 | 75,390,000 |
| Total loans | 18,633,000 | 18,309,000 | 18,134,000 | 18,424,000 |
| Allowance for loan losses | 232,000 | 238,000 | 256,000 | 265,000 |
| Securities available for sale | 50,986,000 | 46,948,000 | 51,518,000 | 51,694,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,226,000 | 63,091,000 | 62,866,000 | 64,034,000 |
| Interest-bearing deposits | 58,302,000 | 57,177,000 | 56,981,000 | 58,103,000 |
| Noninterest-bearing deposits | 5,924,000 | 5,914,000 | 5,885,000 | 5,931,000 |
| Equity capital | 12,045,000 | 12,291,000 | 12,297,000 | 11,133,000 |
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 | 527,000 | 1,013,000 | 1,485,000 | 1,970,000 |
| Interest expense | 90,000 | 174,000 | 257,000 | 338,000 |
| Net interest income | 437,000 | 839,000 | 1,228,000 | 1,632,000 |
| Noninterest income | 14,000 | 34,000 | 63,000 | 79,000 |
| Noninterest expense | 374,000 | 742,000 | 1,113,000 | 1,484,000 |
| Provision for loan losses | 10,000 | 22,000 | 40,000 | 49,000 |
| Pretax income | 67,000 | 182,000 | 212,000 | 253,000 |
| Income tax | 16,000 | 39,000 | 31,000 | 21,000 |
| Net income | 51,000 | 143,000 | 181,000 | 232,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,861,000 | 11,953,000 | 11,990,000 | 11,909,000 |
| Total capital | 12,093,000 | 12,191,000 | 12,246,000 | 12,174,000 |
| Risk-weighted assets | 27,335,000 | 26,968,000 | 27,136,000 | 28,105,000 |