Call reports 2016
21ST CENTURY BANK — 2016
What 21ST CENTURY 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 | 360,505,000 | 382,607,000 | 374,670,000 | 387,326,000 |
| Total loans | 271,272,000 | 283,743,000 | 287,387,000 | 291,513,000 |
| Allowance for loan losses | 1,513,000 | 1,536,000 | 1,581,000 | 1,588,000 |
| Securities available for sale | 52,745,000 | 52,104,000 | 51,002,000 | 59,217,000 |
| Securities held to maturity | 643,000 | 638,000 | 635,000 | 1,764,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 309,179,000 | 319,562,000 | 322,281,000 | 317,757,000 |
| Interest-bearing deposits | 293,269,000 | 303,999,000 | 307,805,000 | 293,631,000 |
| Noninterest-bearing deposits | 15,910,000 | 15,563,000 | 14,476,000 | 24,126,000 |
| Equity capital | 48,310,000 | 49,561,000 | 50,385,000 | 50,515,000 |
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 | 3,435,000 | 6,868,000 | 10,471,000 | 14,089,000 |
| Interest expense | 326,000 | 652,000 | 1,015,000 | 1,353,000 |
| Net interest income | 3,109,000 | 6,216,000 | 9,456,000 | 12,736,000 |
| Noninterest income | 235,000 | 500,000 | 725,000 | 1,057,000 |
| Noninterest expense | 2,026,000 | 3,918,000 | 5,861,000 | 7,815,000 |
| Provision for loan losses | 135,000 | 135,000 | 175,000 | 332,000 |
| Pretax income | 1,188,000 | 2,721,000 | 4,203,000 | 5,704,000 |
| Income tax | 470,000 | 1,081,000 | 1,670,000 | 2,265,000 |
| Net income | 718,000 | 1,640,000 | 2,533,000 | 3,439,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,576,000 | 49,499,000 | 50,385,000 | 51,298,000 |
| Total capital | 50,089,000 | 51,035,000 | 51,966,000 | 52,886,000 |
| Risk-weighted assets | 262,965,000 | 267,373,000 | 266,365,000 | 272,432,000 |