Call reports 2018
STATE BANK OF SAUNEMIN — 2018
What STATE BANK OF SAUNEMIN reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 36,720,000 | 35,715,000 | 35,064,000 | 36,136,000 |
| Total loans | 20,066,000 | 19,571,000 | 20,069,000 | 21,225,000 |
| Allowance for loan losses | 271,000 | 274,000 | 277,000 | 278,000 |
| Securities available for sale | 10,605,000 | 10,662,000 | 10,200,000 | 10,223,000 |
| Securities held to maturity | 45,000 | 45,000 | 45,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,108,000 | 32,015,000 | 31,414,000 | 31,854,000 |
| Interest-bearing deposits | 26,734,000 | 26,407,000 | 26,022,000 | 24,082,000 |
| Noninterest-bearing deposits | 6,374,000 | 5,608,000 | 5,392,000 | 7,772,000 |
| Equity capital | 3,578,000 | 3,571,000 | 3,606,000 | 3,804,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 294,000 | 597,000 | 917,000 | 1,245,000 |
| Interest expense | 32,000 | 69,000 | 106,000 | 148,000 |
| Net interest income | 262,000 | 528,000 | 811,000 | 1,097,000 |
| Noninterest income | 12,000 | 19,000 | 29,000 | 45,000 |
| Noninterest expense | 189,000 | 349,000 | 525,000 | 719,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 82,000 | 192,000 | 302,000 | 393,000 |
| Income tax | 0 | 0 | 0 | 4,000 |
| Net income | 82,000 | 192,000 | 302,000 | 389,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,837,000 | 3,878,000 | 3,947,000 | 4,035,000 |
| Total capital | 4,108,000 | 4,152,000 | 4,224,000 | 4,313,000 |
| Risk-weighted assets | 23,884,000 | 26,914,000 | 23,577,000 | 24,410,000 |