Call reports 2016
ROBERTSON BANKING COMPANY — 2016
What ROBERTSON BANKING COMPANY 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 | 275,675,000 | 272,791,000 | 276,145,000 | 270,432,000 |
| Total loans | 208,525,000 | 213,475,000 | 213,287,000 | 212,714,000 |
| Allowance for loan losses | 2,141,000 | 2,009,000 | 2,212,000 | 2,011,000 |
| Securities available for sale | 31,257,000 | 32,598,000 | 29,639,000 | 30,375,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 236,622,000 | 232,589,000 | 235,323,000 | 231,404,000 |
| Interest-bearing deposits | 186,163,000 | 181,401,000 | 186,809,000 | 178,948,000 |
| Noninterest-bearing deposits | 50,459,000 | 51,188,000 | 48,514,000 | 52,456,000 |
| Equity capital | 29,272,000 | 30,333,000 | 30,831,000 | 28,971,000 |
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 | 2,704,000 | 5,443,000 | 8,262,000 | 11,024,000 |
| Interest expense | 295,000 | 583,000 | 877,000 | 1,161,000 |
| Net interest income | 2,409,000 | 4,860,000 | 7,385,000 | 9,863,000 |
| Noninterest income | 536,000 | 1,029,000 | 1,637,000 | 2,184,000 |
| Noninterest expense | 1,887,000 | 3,665,000 | 5,631,000 | 7,628,000 |
| Provision for loan losses | 0 | 0 | 220,000 | 380,000 |
| Pretax income | 1,058,000 | 2,224,000 | 3,171,000 | 4,039,000 |
| Income tax | 55,000 | 125,000 | 180,000 | 200,000 |
| Net income | 1,003,000 | 2,099,000 | 2,991,000 | 3,839,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,749,000 | 29,584,000 | 30,216,000 | 29,006,000 |
| Total capital | 30,890,000 | 31,593,000 | 32,428,000 | 31,017,000 |
| Risk-weighted assets | 188,684,000 | 190,429,000 | 200,393,000 | 198,497,000 |