Call reports 2016
STROUD NATIONAL BANK — 2016
What STROUD NATIONAL 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 | 82,732,000 | 82,683,000 | 82,370,000 | 77,816,000 |
| Total loans | 46,334,000 | 47,800,000 | 47,834,000 | 47,335,000 |
| Allowance for loan losses | 727,000 | 711,000 | 712,000 | 698,000 |
| Securities available for sale | 21,570,000 | 23,756,000 | 22,479,000 | 19,948,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,024,000 | 66,026,000 | 65,743,000 | 62,331,000 |
| Interest-bearing deposits | 48,813,000 | 50,106,000 | 48,794,000 | 46,729,000 |
| Noninterest-bearing deposits | 17,211,000 | 15,920,000 | 16,949,000 | 15,602,000 |
| Equity capital | 9,274,000 | 9,352,000 | 9,414,000 | 8,622,000 |
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 | 927,000 | 1,846,000 | 2,774,000 | 3,694,000 |
| Interest expense | 123,000 | 247,000 | 371,000 | 493,000 |
| Net interest income | 804,000 | 1,599,000 | 2,403,000 | 3,201,000 |
| Noninterest income | 201,000 | 386,000 | 578,000 | 780,000 |
| Noninterest expense | 915,000 | 1,834,000 | 2,760,000 | 3,602,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | 50,000 |
| Pretax income | 94,000 | 174,000 | 244,000 | 370,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 94,000 | 174,000 | 244,000 | 370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,011,000 | 8,960,000 | 8,975,000 | 9,026,000 |
| Total capital | 9,653,000 | 9,606,000 | 9,600,000 | 9,644,000 |
| Risk-weighted assets | 51,268,000 | 51,698,000 | 50,044,000 | 49,354,000 |