Call reports 2016
OUR COMMUNITY BANK — 2016
What OUR COMMUNITY 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 | 67,068,000 | 64,022,000 | 66,918,000 | 64,631,000 |
| Total loans | 44,597,000 | 44,311,000 | 44,347,000 | 45,050,000 |
| Allowance for loan losses | 490,000 | 454,000 | 442,000 | 448,000 |
| Securities available for sale | 11,481,000 | 11,586,000 | 10,734,000 | 10,716,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,162,000 | 47,010,000 | 49,951,000 | 45,854,000 |
| Interest-bearing deposits | 42,360,000 | 39,552,000 | 42,178,000 | 37,667,000 |
| Noninterest-bearing deposits | 7,802,000 | 7,458,000 | 7,773,000 | 8,187,000 |
| Equity capital | 8,138,000 | 8,240,000 | 8,260,000 | 8,139,000 |
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 | 793,000 | 1,595,000 | 2,352,000 | 3,119,000 |
| Interest expense | 106,000 | 212,000 | 318,000 | 421,000 |
| Net interest income | 687,000 | 1,383,000 | 2,034,000 | 2,698,000 |
| Noninterest income | 100,000 | 200,000 | 329,000 | 450,000 |
| Noninterest expense | 662,000 | 1,368,000 | 2,048,000 | 2,722,000 |
| Provision for loan losses | 30,000 | 60,000 | 80,000 | 100,000 |
| Pretax income | 95,000 | 175,000 | 294,000 | 385,000 |
| Income tax | 0 | -14,000 | -1,000 | -1,000 |
| Net income | 95,000 | 189,000 | 295,000 | 386,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,097,000 | 8,146,000 | 8,209,000 | 8,240,000 |
| Total capital | 8,529,000 | 8,579,000 | 8,651,000 | 8,688,000 |
| Risk-weighted assets | 34,503,000 | 34,658,000 | 35,393,000 | 36,584,000 |