Call reports 2016
FIRST NATIONAL BANK OF PANDORA, THE — 2016
What FIRST NATIONAL BANK OF PANDORA, THE 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 | 149,546,000 | 152,270,000 | 157,883,000 | 155,292,000 |
| Total loans | 101,620,000 | 106,204,000 | 106,981,000 | 106,988,000 |
| Allowance for loan losses | 1,459,000 | 1,500,000 | 1,484,000 | 1,447,000 |
| Securities available for sale | 32,764,000 | 32,480,000 | 32,142,000 | 33,232,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,062,000 | 131,889,000 | 135,576,000 | 136,566,000 |
| Interest-bearing deposits | 120,024,000 | 122,080,000 | 124,249,000 | 124,871,000 |
| Noninterest-bearing deposits | 10,038,000 | 9,809,000 | 11,327,000 | 11,695,000 |
| Equity capital | 13,320,000 | 13,617,000 | 13,827,000 | 13,248,000 |
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 | 1,473,000 | 2,956,000 | 4,478,000 | 5,970,000 |
| Interest expense | 161,000 | 323,000 | 495,000 | 685,000 |
| Net interest income | 1,312,000 | 2,633,000 | 3,983,000 | 5,285,000 |
| Noninterest income | 235,000 | 634,000 | 915,000 | 1,203,000 |
| Noninterest expense | 1,302,000 | 2,698,000 | 4,044,000 | 5,335,000 |
| Provision for loan losses | 0 | 45,000 | 60,000 | 60,000 |
| Pretax income | 245,000 | 563,000 | 833,000 | 1,134,000 |
| Income tax | 57,000 | 138,000 | 203,000 | 267,000 |
| Net income | 188,000 | 425,000 | 630,000 | 867,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,049,000 | 13,286,000 | 13,491,000 | 13,468,000 |
| Total capital | 14,419,000 | 14,723,000 | 14,923,000 | 14,897,000 |
| Risk-weighted assets | 109,480,000 | 114,898,000 | 114,510,000 | 114,262,000 |