Call reports 2016
NAPOLEON STATE BANK, THE — 2016
What NAPOLEON STATE BANK, THE 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 | 198,994,000 | 199,331,000 | 201,855,000 | 207,374,000 |
| Total loans | 161,552,000 | 168,373,000 | 171,750,000 | 174,471,000 |
| Allowance for loan losses | 1,942,000 | 2,037,000 | 2,142,000 | 2,196,000 |
| Securities available for sale | 8,766,000 | 7,774,000 | 7,016,000 | 5,935,000 |
| Securities held to maturity | 8,075,000 | 8,286,000 | 8,093,000 | 8,472,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,040,000 | 173,217,000 | 173,050,000 | 175,398,000 |
| Interest-bearing deposits | 141,710,000 | 141,147,000 | 140,861,000 | 141,608,000 |
| Noninterest-bearing deposits | 31,330,000 | 32,070,000 | 32,189,000 | 33,790,000 |
| Equity capital | 21,882,000 | 22,497,000 | 23,110,000 | 23,463,000 |
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 | 2,216,000 | 4,471,000 | 6,775,000 | 9,136,000 |
| Interest expense | 284,000 | 541,000 | 791,000 | 1,044,000 |
| Net interest income | 1,932,000 | 3,930,000 | 5,984,000 | 8,092,000 |
| Noninterest income | 331,000 | 752,000 | 1,105,000 | 1,460,000 |
| Noninterest expense | 1,267,000 | 2,445,000 | 3,746,000 | 4,926,000 |
| Provision for loan losses | 90,000 | 190,000 | 295,000 | 475,000 |
| Pretax income | 906,000 | 2,047,000 | 3,048,000 | 4,151,000 |
| Income tax | 347,000 | 776,000 | 1,157,000 | 1,576,000 |
| Net income | 559,000 | 1,271,000 | 1,891,000 | 2,575,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,874,000 | 22,485,000 | 23,106,000 | 23,507,000 |
| Total capital | 23,794,000 | 24,454,000 | 25,117,000 | 25,561,000 |
| Risk-weighted assets | 153,559,000 | 157,465,000 | 160,728,000 | 164,204,000 |