Call reports 2016
CLARKE COUNTY STATE BANK — 2016
What CLARKE COUNTY STATE BANK 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 | 106,176,000 | 103,716,000 | 104,655,000 | 105,206,000 |
| Total loans | 69,372,000 | 72,791,000 | 71,330,000 | 72,715,000 |
| Allowance for loan losses | 1,191,000 | 1,197,000 | 1,035,000 | 967,000 |
| Securities available for sale | 24,374,000 | 22,975,000 | 25,114,000 | 24,837,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,934,000 | 89,295,000 | 92,263,000 | 91,316,000 |
| Interest-bearing deposits | 87,900,000 | 82,800,000 | 86,421,000 | 84,009,000 |
| Noninterest-bearing deposits | 6,034,000 | 6,495,000 | 5,842,000 | 7,307,000 |
| Equity capital | 11,798,000 | 11,944,000 | 11,996,000 | 11,405,000 |
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 | 912,000 | 1,830,000 | 2,757,000 | 3,686,000 |
| Interest expense | 74,000 | 148,000 | 225,000 | 304,000 |
| Net interest income | 838,000 | 1,682,000 | 2,532,000 | 3,382,000 |
| Noninterest income | 86,000 | 181,000 | 273,000 | 412,000 |
| Noninterest expense | 677,000 | 1,330,000 | 1,997,000 | 2,752,000 |
| Provision for loan losses | 0 | 0 | 0 | -75,000 |
| Pretax income | 267,000 | 553,000 | 828,000 | 1,137,000 |
| Income tax | 74,000 | 155,000 | 228,000 | 313,000 |
| Net income | 193,000 | 398,000 | 600,000 | 824,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,701,000 | 11,807,000 | 11,911,000 | 11,559,000 |
| Total capital | 12,649,000 | 12,793,000 | 12,898,000 | 12,536,000 |
| Risk-weighted assets | 75,171,000 | 78,304,000 | 78,291,000 | 79,252,000 |