Call reports 2016
ALMENA STATE BANK — 2016
What ALMENA 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 | 61,999,000 | 66,045,000 | 81,567,000 | 93,898,000 |
| Total loans | 54,264,000 | 58,520,000 | 70,282,000 | 77,636,000 |
| Allowance for loan losses | 693,000 | 702,000 | 726,000 | 736,000 |
| Securities available for sale | 709,000 | 710,000 | 662,000 | 577,000 |
| Securities held to maturity | 3,612,000 | 3,603,000 | 3,223,000 | 3,222,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,894,000 | 56,401,000 | 71,939,000 | 80,447,000 |
| Interest-bearing deposits | 44,465,000 | 45,729,000 | 60,945,000 | 66,944,000 |
| Noninterest-bearing deposits | 10,429,000 | 10,672,000 | 10,994,000 | 13,503,000 |
| Equity capital | 5,613,000 | 5,884,000 | 6,528,000 | 6,561,000 |
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 | 786,000 | 1,602,000 | 2,547,000 | 3,681,000 |
| Interest expense | 46,000 | 95,000 | 162,000 | 271,000 |
| Net interest income | 740,000 | 1,507,000 | 2,385,000 | 3,410,000 |
| Noninterest income | 449,000 | 840,000 | 1,518,000 | 1,972,000 |
| Noninterest expense | 846,000 | 1,491,000 | 2,362,000 | 3,266,000 |
| Provision for loan losses | 223,000 | 245,000 | 268,000 | 290,000 |
| Pretax income | 120,000 | 611,000 | 1,273,000 | 1,826,000 |
| Income tax | 6,000 | 21,000 | 28,000 | 31,000 |
| Net income | 114,000 | 590,000 | 1,245,000 | 1,795,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,460,000 | 5,693,000 | 6,351,000 | 6,453,000 |
| Total capital | 6,130,000 | 6,389,000 | 7,077,000 | 7,189,000 |
| Risk-weighted assets | 53,631,000 | 55,749,000 | 67,092,000 | 74,557,000 |