Call reports 2016
FRIEND BANK — 2016
What FRIEND BANK 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 | 125,808,000 | 125,986,000 | 130,361,000 | 129,065,000 |
| Total loans | 75,762,000 | 82,630,000 | 83,752,000 | 79,838,000 |
| Allowance for loan losses | 1,079,000 | 1,068,000 | 1,048,000 | 1,052,000 |
| Securities available for sale | 13,681,000 | 17,209,000 | 18,545,000 | 17,544,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,751,000 | 113,559,000 | 117,684,000 | 117,030,000 |
| Interest-bearing deposits | 91,028,000 | 89,906,000 | 91,975,000 | 89,709,000 |
| Noninterest-bearing deposits | 22,723,000 | 23,653,000 | 25,709,000 | 27,321,000 |
| Equity capital | 11,856,000 | 12,187,000 | 12,357,000 | 11,700,000 |
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 | 1,271,000 | 2,542,000 | 3,836,000 | 5,155,000 |
| Interest expense | 89,000 | 178,000 | 266,000 | 352,000 |
| Net interest income | 1,182,000 | 2,364,000 | 3,570,000 | 4,803,000 |
| Noninterest income | 300,000 | 585,000 | 913,000 | 1,175,000 |
| Noninterest expense | 988,000 | 2,018,000 | 3,102,000 | 4,169,000 |
| Provision for loan losses | 77,000 | 117,000 | 251,000 | 319,000 |
| Pretax income | 417,000 | 814,000 | 1,130,000 | 1,490,000 |
| Income tax | 17,000 | 36,000 | 43,000 | 59,000 |
| Net income | 400,000 | 778,000 | 1,087,000 | 1,431,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,502,000 | 11,795,000 | 12,006,000 | 11,571,000 |
| Total capital | 12,402,000 | 12,789,000 | 13,025,000 | 12,531,000 |
| Risk-weighted assets | 71,812,000 | 79,483,000 | 81,476,000 | 76,683,000 |