Call reports 2016
STATE BANK OF WHEATON — 2016
What STATE BANK OF WHEATON 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 | 84,190,000 | 78,941,000 | 76,170,000 | 79,465,000 |
| Total loans | 68,312,000 | 67,133,000 | 67,902,000 | 65,935,000 |
| Allowance for loan losses | 1,500,000 | 1,500,000 | 1,500,000 | 1,500,000 |
| Securities available for sale | 4,374,000 | 4,393,000 | 4,279,000 | 4,163,000 |
| Securities held to maturity | 8,000 | 7,000 | 6,000 | 5,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,886,000 | 61,898,000 | 58,535,000 | 61,988,000 |
| Interest-bearing deposits | 49,415,000 | 46,855,000 | 46,701,000 | 48,490,000 |
| Noninterest-bearing deposits | 16,471,000 | 15,043,000 | 11,834,000 | 13,498,000 |
| Equity capital | 16,742,000 | 16,737,000 | 16,831,000 | 17,442,000 |
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 | 886,000 | 1,763,000 | 2,656,000 | 3,540,000 |
| Interest expense | 59,000 | 115,000 | 169,000 | 223,000 |
| Net interest income | 827,000 | 1,648,000 | 2,487,000 | 3,317,000 |
| Noninterest income | 36,000 | 59,000 | 85,000 | 110,000 |
| Noninterest expense | 312,000 | 640,000 | 948,000 | 1,171,000 |
| Provision for loan losses | -9,000 | -9,000 | -9,000 | -9,000 |
| Pretax income | 560,000 | 1,079,000 | 1,636,000 | 2,268,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | 560,000 | 1,078,000 | 1,635,000 | 2,267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,681,000 | 16,681,000 | 16,792,000 | 17,424,000 |
| Total capital | 17,576,000 | 17,555,000 | 17,667,000 | 18,287,000 |
| Risk-weighted assets | 71,014,000 | 69,278,000 | 69,411,000 | 68,441,000 |