Call reports 2016
STATE BANK OF DE KALB — 2016
What STATE BANK OF DE KALB 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 | 184,387,000 | 185,378,000 | 187,422,000 | 193,095,000 |
| Total loans | 149,203,000 | 155,034,000 | 160,994,000 | 170,617,000 |
| Allowance for loan losses | 2,472,000 | 2,518,000 | 2,584,000 | 2,505,000 |
| Securities available for sale | 39,000 | 34,000 | 1,063,000 | 26,000 |
| Securities held to maturity | 1,178,000 | 1,083,000 | 1,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,198,000 | 151,629,000 | 153,017,000 | 154,911,000 |
| Interest-bearing deposits | 114,916,000 | 115,165,000 | 114,502,000 | 116,047,000 |
| Noninterest-bearing deposits | 36,282,000 | 36,464,000 | 38,515,000 | 38,864,000 |
| Equity capital | 22,731,000 | 23,167,000 | 23,701,000 | 23,743,000 |
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 | 2,113,000 | 4,245,000 | 6,426,000 | 8,634,000 |
| Interest expense | 157,000 | 329,000 | 498,000 | 673,000 |
| Net interest income | 1,956,000 | 3,916,000 | 5,928,000 | 7,961,000 |
| Noninterest income | 476,000 | 1,068,000 | 1,736,000 | 2,383,000 |
| Noninterest expense | 1,283,000 | 2,629,000 | 4,026,000 | 5,463,000 |
| Provision for loan losses | 55,000 | 97,000 | 165,000 | 493,000 |
| Pretax income | 1,094,000 | 2,258,000 | 3,473,000 | 4,423,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,094,000 | 2,258,000 | 3,473,000 | 4,423,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,731,000 | 23,167,000 | 23,655,000 | 23,743,000 |
| Total capital | 24,495,000 | 24,942,000 | 25,509,000 | 25,680,000 |
| Risk-weighted assets | 140,414,000 | 141,218,000 | 147,558,000 | 154,434,000 |