Call reports 2016
FIRST NATIONAL BANK IN PHILIP — 2016
What FIRST NATIONAL BANK IN PHILIP 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 | 248,274,000 | 251,567,000 | 235,998,000 | 258,855,000 |
| Total loans | 166,747,000 | 178,753,000 | 177,012,000 | 161,047,000 |
| Allowance for loan losses | 2,479,000 | 2,522,000 | 2,590,000 | 2,682,000 |
| Securities available for sale | 52,181,000 | 52,764,000 | 37,078,000 | 42,000,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,105,000 | 204,435,000 | 199,911,000 | 224,523,000 |
| Interest-bearing deposits | 177,312,000 | 171,981,000 | 165,569,000 | 177,311,000 |
| Noninterest-bearing deposits | 38,793,000 | 32,454,000 | 34,342,000 | 47,212,000 |
| Equity capital | 28,699,000 | 29,411,000 | 30,061,000 | 30,178,000 |
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 | 2,529,000 | 5,139,000 | 7,724,000 | 10,319,000 |
| Interest expense | 382,000 | 766,000 | 1,156,000 | 1,582,000 |
| Net interest income | 2,147,000 | 4,373,000 | 6,568,000 | 8,737,000 |
| Noninterest income | 173,000 | 348,000 | 558,000 | 772,000 |
| Noninterest expense | 1,185,000 | 2,340,000 | 3,535,000 | 4,649,000 |
| Provision for loan losses | 30,000 | 70,000 | 140,000 | 230,000 |
| Pretax income | 1,105,000 | 2,311,000 | 3,855,000 | 5,034,000 |
| Income tax | 45,000 | 93,000 | 154,000 | 201,000 |
| Net income | 1,060,000 | 2,218,000 | 3,701,000 | 4,833,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,031,000 | 28,329,000 | 29,471,000 | 30,624,000 |
| Total capital | 30,311,000 | 30,780,000 | 31,888,000 | 32,834,000 |
| Risk-weighted assets | 182,239,000 | 196,049,000 | 193,209,000 | 176,379,000 |