Call reports 2016
NORTH AMERICAN STATE BANK — 2016
What NORTH AMERICAN 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 | 95,864,000 | 95,208,000 | 97,659,000 | 97,136,000 |
| Total loans | 68,246,000 | 66,615,000 | 65,051,000 | 62,267,000 |
| Allowance for loan losses | 1,505,000 | 1,512,000 | 1,515,000 | 1,524,000 |
| Securities available for sale | 16,614,000 | 11,667,000 | 10,189,000 | 9,137,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,159,000 | 79,257,000 | 81,622,000 | 81,436,000 |
| Interest-bearing deposits | 64,218,000 | 62,443,000 | 63,751,000 | 62,845,000 |
| Noninterest-bearing deposits | 15,941,000 | 16,814,000 | 17,871,000 | 18,591,000 |
| Equity capital | 11,436,000 | 11,682,000 | 11,728,000 | 11,540,000 |
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 | 980,000 | 1,943,000 | 2,845,000 | 3,799,000 |
| Interest expense | 113,000 | 219,000 | 329,000 | 441,000 |
| Net interest income | 867,000 | 1,724,000 | 2,516,000 | 3,358,000 |
| Noninterest income | 53,000 | 108,000 | 180,000 | 235,000 |
| Noninterest expense | 791,000 | 1,524,000 | 2,244,000 | 2,951,000 |
| Provision for loan losses | 0 | 0 | 0 | -103,000 |
| Pretax income | 129,000 | 308,000 | 452,000 | 745,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 129,000 | 308,000 | 452,000 | 745,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,204,000 | 11,322,000 | 11,381,000 | 11,480,000 |
| Total capital | 12,145,000 | 12,251,000 | 12,300,000 | 12,364,000 |
| Risk-weighted assets | 74,737,000 | 73,757,000 | 72,943,000 | 70,074,000 |