Call reports 2017
STATE BANK OF SAUNEMIN — 2017
What STATE BANK OF SAUNEMIN reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 36,891,000 | 35,623,000 | 35,053,000 | 36,345,000 |
| Total loans | 20,640,000 | 18,616,000 | 20,630,000 | 20,480,000 |
| Allowance for loan losses | 255,000 | 258,000 | 262,000 | 265,000 |
| Securities available for sale | 11,342,000 | 10,935,000 | 10,092,000 | 10,363,000 |
| Securities held to maturity | 45,000 | 45,000 | 45,000 | 45,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,310,000 | 31,920,000 | 31,291,000 | 32,609,000 |
| Interest-bearing deposits | 26,981,000 | 26,192,000 | 25,914,000 | 25,852,000 |
| Noninterest-bearing deposits | 6,329,000 | 5,728,000 | 5,377,000 | 6,757,000 |
| Equity capital | 3,564,000 | 3,679,000 | 3,730,000 | 3,706,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 294,000 | 584,000 | 887,000 | 1,196,000 |
| Interest expense | 26,000 | 53,000 | 79,000 | 108,000 |
| Net interest income | 268,000 | 531,000 | 808,000 | 1,088,000 |
| Noninterest income | 13,000 | 25,000 | 36,000 | 51,000 |
| Noninterest expense | 191,000 | 347,000 | 527,000 | 726,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 87,000 | 203,000 | 327,000 | 420,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 87,000 | 203,000 | 327,000 | 420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,627,000 | 3,664,000 | 3,747,000 | 3,841,000 |
| Total capital | 3,882,000 | 3,922,000 | 4,009,000 | 4,106,000 |
| Risk-weighted assets | 24,501,000 | 21,694,000 | 23,443,000 | 24,252,000 |