Call reports 2017
SMALL TOWN BANK — 2017
What SMALL TOWN BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 212,686,000 | 212,918,000 | 213,705,000 | 212,977,000 |
| Total loans | 99,046,000 | 98,564,000 | 101,066,000 | 104,659,000 |
| Allowance for loan losses | 1,836,000 | 1,837,000 | 1,826,000 | 1,844,000 |
| Securities available for sale | 88,035,000 | 88,701,000 | 85,872,000 | 82,746,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,718,000 | 175,046,000 | 175,024,000 | 173,519,000 |
| Interest-bearing deposits | 146,585,000 | 147,086,000 | 145,530,000 | 145,260,000 |
| Noninterest-bearing deposits | 29,133,000 | 27,960,000 | 29,494,000 | 28,259,000 |
| Equity capital | 36,138,000 | 37,061,000 | 37,634,000 | 38,532,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,110,000 | 4,256,000 | 6,404,000 | 8,564,000 |
| Interest expense | 186,000 | 362,000 | 528,000 | 691,000 |
| Net interest income | 1,924,000 | 3,894,000 | 5,876,000 | 7,873,000 |
| Noninterest income | 238,000 | 483,000 | 862,000 | 1,314,000 |
| Noninterest expense | 1,422,000 | 2,826,000 | 4,215,000 | 5,648,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 740,000 | 1,551,000 | 2,553,000 | 3,569,000 |
| Income tax | 172,000 | 334,000 | 521,000 | 0 |
| Net income | 568,000 | 1,217,000 | 2,032,000 | 3,569,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,752,000 | 34,416,000 | 35,216,000 | 36,752,000 |
| Total capital | 35,402,000 | 36,067,000 | 36,881,000 | 38,455,000 |
| Risk-weighted assets | 131,825,000 | 131,900,000 | 133,056,000 | 136,097,000 |