Call reports 2016
FIRST CENTURY BANK, INC. — 2016
What FIRST CENTURY BANK, INC. 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 | 410,011,000 | 409,916,000 | 412,567,000 | 404,000,000 |
| Total loans | 229,261,000 | 243,554,000 | 243,002,000 | 227,875,000 |
| Allowance for loan losses | 3,552,000 | 3,552,000 | 3,552,000 | 2,501,000 |
| Securities available for sale | 80,032,000 | 69,285,000 | 63,482,000 | 69,587,000 |
| Securities held to maturity | 34,357,000 | 35,195,000 | 34,711,000 | 34,606,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 350,636,000 | 351,959,000 | 354,742,000 | 347,441,000 |
| Interest-bearing deposits | 290,832,000 | 291,321,000 | 291,775,000 | 283,732,000 |
| Noninterest-bearing deposits | 59,804,000 | 60,638,000 | 62,967,000 | 63,709,000 |
| Equity capital | 44,616,000 | 44,924,000 | 45,018,000 | 44,802,000 |
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 | 3,305,000 | 6,684,000 | 10,031,000 | 13,340,000 |
| Interest expense | 275,000 | 545,000 | 823,000 | 1,096,000 |
| Net interest income | 3,030,000 | 6,139,000 | 9,208,000 | 12,244,000 |
| Noninterest income | 1,202,000 | 2,474,000 | 3,802,000 | 5,131,000 |
| Noninterest expense | 3,264,000 | 6,509,000 | 9,758,000 | 18,242,000 |
| Provision for loan losses | 0 | 102,000 | 276,000 | 701,000 |
| Pretax income | 1,014,000 | 2,048,000 | 3,022,000 | -1,522,000 |
| Income tax | 308,000 | 621,000 | 914,000 | -814,000 |
| Net income | 706,000 | 1,427,000 | 2,108,000 | -708,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,547,000 | 44,767,000 | 44,948,000 | 41,631,000 |
| Total capital | 47,573,000 | 47,914,000 | 48,086,000 | 44,142,000 |
| Risk-weighted assets | 241,572,000 | 251,345,000 | 250,591,000 | 235,860,000 |