Call reports 2016
CULBERTSON BANK — 2016
What CULBERTSON 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 | 15,702,000 | 16,145,000 | 15,411,000 | 15,421,000 |
| Total loans | 5,543,000 | 5,786,000 | 5,986,000 | 5,247,000 |
| Allowance for loan losses | 162,000 | 162,000 | 163,000 | 203,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,088,000 | 7,075,000 | 7,081,000 | 7,083,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,545,000 | 13,942,000 | 13,190,000 | 13,268,000 |
| Interest-bearing deposits | 10,400,000 | 10,599,000 | 10,196,000 | 9,901,000 |
| Noninterest-bearing deposits | 3,145,000 | 3,343,000 | 2,994,000 | 3,367,000 |
| Equity capital | 2,141,000 | 2,173,000 | 2,186,000 | 2,144,000 |
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 | 146,000 | 299,000 | 449,000 | 581,000 |
| Interest expense | 8,000 | 16,000 | 23,000 | 31,000 |
| Net interest income | 138,000 | 283,000 | 426,000 | 550,000 |
| Noninterest income | 1,000 | 1,000 | 2,000 | 3,000 |
| Noninterest expense | 117,000 | 230,000 | 361,000 | 488,000 |
| Provision for loan losses | 0 | 0 | 0 | 40,000 |
| Pretax income | 22,000 | 54,000 | 67,000 | 25,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 22,000 | 54,000 | 67,000 | 25,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,141,000 | 2,173,000 | 2,186,000 | 2,144,000 |
| Total capital | 2,235,000 | 2,265,000 | 2,280,000 | 2,229,000 |
| Risk-weighted assets | 7,444,000 | 7,305,000 | 7,462,000 | 6,674,000 |