Call reports 2016
RNB STATE BANK — 2016
What RNB 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 | 168,471,000 | 170,739,000 | 177,135,000 | 176,816,000 |
| Total loans | 76,965,000 | 79,750,000 | 79,973,000 | 85,559,000 |
| Allowance for loan losses | 1,552,000 | 1,609,000 | 1,614,000 | 1,618,000 |
| Securities available for sale | 43,641,000 | 46,969,000 | 47,855,000 | 49,963,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,369,000 | 147,208,000 | 155,302,000 | 148,752,000 |
| Interest-bearing deposits | 117,254,000 | 118,493,000 | 121,847,000 | 117,101,000 |
| Noninterest-bearing deposits | 30,115,000 | 28,715,000 | 33,455,000 | 31,651,000 |
| Equity capital | 15,452,000 | 15,802,000 | 16,078,000 | 15,257,000 |
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 | 1,448,000 | 2,950,000 | 4,474,000 | 6,004,000 |
| Interest expense | 71,000 | 140,000 | 207,000 | 281,000 |
| Net interest income | 1,377,000 | 2,810,000 | 4,267,000 | 5,723,000 |
| Noninterest income | 165,000 | 344,000 | 528,000 | 684,000 |
| Noninterest expense | 1,361,000 | 2,731,000 | 4,102,000 | 5,470,000 |
| Provision for loan losses | 18,000 | 18,000 | 18,000 | 18,000 |
| Pretax income | 163,000 | 405,000 | 675,000 | 919,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 163,000 | 405,000 | 675,000 | 919,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,896,000 | 15,138,000 | 15,408,000 | 15,651,000 |
| Total capital | 16,030,000 | 16,321,000 | 16,596,000 | 16,926,000 |
| Risk-weighted assets | 90,252,000 | 94,163,000 | 94,638,000 | 101,657,000 |