Call reports 2016
BANK OF HANCOCK COUNTY — 2016
What BANK OF HANCOCK COUNTY 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 | 86,699,000 | 86,285,000 | 84,947,000 | 85,637,000 |
| Total loans | 28,547,000 | 28,754,000 | 29,708,000 | 27,173,000 |
| Allowance for loan losses | 1,013,000 | 1,030,000 | 1,034,000 | 1,026,000 |
| Securities available for sale | 51,354,000 | 53,591,000 | 51,016,000 | 49,153,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,804,000 | 64,640,000 | 63,270,000 | 65,599,000 |
| Interest-bearing deposits | 52,406,000 | 50,390,000 | 49,725,000 | 51,986,000 |
| Noninterest-bearing deposits | 13,398,000 | 14,250,000 | 13,545,000 | 13,613,000 |
| Equity capital | 20,504,000 | 21,083,000 | 21,177,000 | 19,972,000 |
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 | 879,000 | 1,755,000 | 2,621,000 | 3,508,000 |
| Interest expense | 80,000 | 158,000 | 236,000 | 312,000 |
| Net interest income | 799,000 | 1,597,000 | 2,385,000 | 3,196,000 |
| Noninterest income | 96,000 | 170,000 | 245,000 | 318,000 |
| Noninterest expense | 656,000 | 1,288,000 | 1,929,000 | 2,576,000 |
| Provision for loan losses | 15,000 | 30,000 | 35,000 | 50,000 |
| Pretax income | 227,000 | 521,000 | 800,000 | 1,028,000 |
| Income tax | 35,000 | 38,000 | 77,000 | 16,000 |
| Net income | 192,000 | 483,000 | 723,000 | 1,012,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,798,000 | 19,821,000 | 20,070,000 | 20,231,000 |
| Total capital | 22,329,000 | 20,369,000 | 20,634,000 | 20,767,000 |
| Risk-weighted assets | 41,991,000 | 43,419,000 | 44,649,000 | 42,391,000 |