Call reports 2016
FIRST BANK OF BELOIT — 2016
What FIRST BANK OF BELOIT 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 | 80,131,000 | 82,555,000 | 74,846,000 | 80,277,000 |
| Total loans | 46,787,000 | 46,896,000 | 43,002,000 | 39,454,000 |
| Allowance for loan losses | 750,000 | 900,000 | 908,000 | 908,000 |
| Securities available for sale | 23,788,000 | 23,370,000 | 23,232,000 | 23,472,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,570,000 | 66,860,000 | 64,408,000 | 70,492,000 |
| Interest-bearing deposits | 48,543,000 | 49,812,000 | 47,740,000 | 54,388,000 |
| Noninterest-bearing deposits | 15,027,000 | 17,048,000 | 16,668,000 | 16,104,000 |
| Equity capital | 9,314,000 | 9,329,000 | 9,364,000 | 9,139,000 |
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 | 661,000 | 1,295,000 | 1,928,000 | 2,540,000 |
| Interest expense | 63,000 | 124,000 | 184,000 | 245,000 |
| Net interest income | 598,000 | 1,171,000 | 1,744,000 | 2,295,000 |
| Noninterest income | 68,000 | 130,000 | 198,000 | 254,000 |
| Noninterest expense | 582,000 | 1,144,000 | 1,697,000 | 2,246,000 |
| Provision for loan losses | 0 | 150,000 | 150,000 | 150,000 |
| Pretax income | 83,000 | 27,000 | 127,000 | 202,000 |
| Income tax | 11,000 | 42,000 | 68,000 | -22,000 |
| Net income | 72,000 | -15,000 | 59,000 | 224,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,125,000 | 9,037,000 | 9,112,000 | 9,277,000 |
| Total capital | 9,807,000 | 9,725,000 | 9,736,000 | 9,873,000 |
| Risk-weighted assets | 54,510,000 | 54,860,000 | 49,637,000 | 47,365,000 |