Call reports 2016
FIRST STATE BANK OF RANSOM, THE — 2016
What FIRST STATE BANK OF RANSOM, THE 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 | 48,209,000 | 47,996,000 | 46,380,000 | 44,760,000 |
| Total loans | 17,911,000 | 19,010,000 | 18,671,000 | 18,234,000 |
| Allowance for loan losses | 409,000 | 410,000 | 411,000 | 562,000 |
| Securities available for sale | 23,251,000 | 23,620,000 | 23,924,000 | 22,282,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,168,000 | 37,694,000 | 35,958,000 | 35,290,000 |
| Interest-bearing deposits | 29,274,000 | 29,743,000 | 28,448,000 | 27,968,000 |
| Noninterest-bearing deposits | 8,894,000 | 7,951,000 | 7,510,000 | 7,322,000 |
| Equity capital | 9,758,000 | 9,988,000 | 10,112,000 | 9,296,000 |
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 | 348,000 | 703,000 | 1,067,000 | 1,417,000 |
| Interest expense | 21,000 | 42,000 | 64,000 | 86,000 |
| Net interest income | 327,000 | 661,000 | 1,003,000 | 1,331,000 |
| Noninterest income | 41,000 | 82,000 | 124,000 | 162,000 |
| Noninterest expense | 184,000 | 365,000 | 553,000 | 814,000 |
| Provision for loan losses | 0 | 0 | 0 | 190,000 |
| Pretax income | 198,000 | 391,000 | 592,000 | 508,000 |
| Income tax | 46,000 | 86,000 | 133,000 | 157,000 |
| Net income | 152,000 | 305,000 | 459,000 | 351,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,563,000 | 9,715,000 | 9,870,000 | 9,461,000 |
| Total capital | 9,880,000 | 10,043,000 | 10,191,000 | 9,775,000 |
| Risk-weighted assets | 25,321,000 | 26,137,000 | 25,612,000 | 24,833,000 |