Call reports 2016
SMALL TOWN BANK — 2016
What SMALL TOWN 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 | 216,142,000 | 215,006,000 | 211,496,000 | 212,471,000 |
| Total loans | 96,296,000 | 96,002,000 | 100,156,000 | 96,391,000 |
| Allowance for loan losses | 1,889,000 | 1,895,000 | 1,897,000 | 1,897,000 |
| Securities available for sale | 84,731,000 | 74,496,000 | 74,897,000 | 86,074,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,353,000 | 172,106,000 | 173,301,000 | 174,984,000 |
| Interest-bearing deposits | 146,502,000 | 145,874,000 | 146,255,000 | 147,210,000 |
| Noninterest-bearing deposits | 25,851,000 | 26,232,000 | 27,046,000 | 27,774,000 |
| Equity capital | 35,966,000 | 36,838,000 | 37,199,000 | 36,625,000 |
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 | 2,212,000 | 4,387,000 | 6,517,000 | 8,582,000 |
| Interest expense | 327,000 | 641,000 | 890,000 | 1,087,000 |
| Net interest income | 1,885,000 | 3,746,000 | 5,627,000 | 7,495,000 |
| Noninterest income | 235,000 | 441,000 | 691,000 | 921,000 |
| Noninterest expense | 1,250,000 | 2,509,000 | 3,848,000 | 5,165,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 870,000 | 1,678,000 | 2,470,000 | 3,251,000 |
| Income tax | 196,000 | 409,000 | 598,000 | 779,000 |
| Net income | 674,000 | 1,269,000 | 1,872,000 | 2,472,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,622,000 | 33,234,000 | 33,852,000 | 34,467,000 |
| Total capital | 34,196,000 | 34,762,000 | 35,433,000 | 36,075,000 |
| Risk-weighted assets | 125,607,000 | 121,874,000 | 126,157,000 | 128,346,000 |