Call reports 2017
STATE BANK OF HERSCHER — 2017
What STATE BANK OF HERSCHER reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 139,434,000 | 136,438,000 | 142,352,000 | 142,496,000 |
| Total loans | 74,974,000 | 73,604,000 | 76,120,000 | 78,767,000 |
| Allowance for loan losses | 2,439,000 | 2,514,000 | 2,519,000 | 2,483,000 |
| Securities available for sale | 47,532,000 | 47,049,000 | 48,744,000 | 47,680,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,420,000 | 113,973,000 | 122,003,000 | 117,962,000 |
| Interest-bearing deposits | 95,385,000 | 93,393,000 | 101,035,000 | 95,322,000 |
| Noninterest-bearing deposits | 23,035,000 | 20,580,000 | 20,968,000 | 22,639,000 |
| Equity capital | 18,513,000 | 19,162,000 | 19,255,000 | 18,680,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,223,000 | 2,718,000 | 3,989,000 | 5,301,000 |
| Interest expense | 83,000 | 167,000 | 252,000 | 340,000 |
| Net interest income | 1,140,000 | 2,551,000 | 3,737,000 | 4,961,000 |
| Noninterest income | 85,000 | 91,000 | 175,000 | 254,000 |
| Noninterest expense | 992,000 | 2,038,000 | 3,051,000 | 4,038,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 158,000 | 454,000 | 636,000 | 877,000 |
| Income tax | 25,000 | 102,000 | 137,000 | 575,000 |
| Net income | 133,000 | 352,000 | 499,000 | 302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,649,000 | 18,235,000 | 18,364,000 | 18,328,000 |
| Total capital | 18,862,000 | 19,429,000 | 19,614,000 | 19,571,000 |
| Risk-weighted assets | 95,490,000 | 94,238,000 | 98,593,000 | 98,216,000 |