Call reports 2016
STATE BANK OF SAUNEMIN — 2016
What STATE BANK OF SAUNEMIN 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 | 35,759,000 | 36,574,000 | 35,675,000 | 36,364,000 |
| Total loans | 20,037,000 | 21,290,000 | 21,663,000 | 20,222,000 |
| Allowance for loan losses | 243,000 | 244,000 | 246,000 | 250,000 |
| Securities available for sale | 8,880,000 | 9,510,000 | 9,242,000 | 10,165,000 |
| Securities held to maturity | 45,000 | 45,000 | 45,000 | 45,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,164,000 | 32,882,000 | 31,950,000 | 32,873,000 |
| Interest-bearing deposits | 26,438,000 | 27,271,000 | 26,983,000 | 26,362,000 |
| Noninterest-bearing deposits | 5,726,000 | 5,611,000 | 4,967,000 | 6,511,000 |
| Equity capital | 3,579,000 | 3,673,000 | 3,696,000 | 3,473,000 |
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 | 297,000 | 592,000 | 898,000 | 1,197,000 |
| Interest expense | 24,000 | 51,000 | 78,000 | 106,000 |
| Net interest income | 273,000 | 541,000 | 820,000 | 1,091,000 |
| Noninterest income | 12,000 | 24,000 | 38,000 | 49,000 |
| Noninterest expense | 173,000 | 333,000 | 510,000 | 721,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 111,000 | 228,000 | 356,000 | 424,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 111,000 | 228,000 | 356,000 | 424,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,438,000 | 3,476,000 | 3,548,000 | 3,616,000 |
| Total capital | 3,681,000 | 3,720,000 | 3,794,000 | 3,866,000 |
| Risk-weighted assets | 21,362,000 | 23,320,000 | 24,017,000 | 22,595,000 |