Call reports 2016
BANKGLOUCESTER — 2016
What BANKGLOUCESTER 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 | 223,359,000 | 227,567,000 | 230,169,000 | 234,482,000 |
| Total loans | 188,236,000 | 186,649,000 | 190,501,000 | 198,327,000 |
| Allowance for loan losses | 1,483,000 | 1,437,000 | 1,456,000 | 1,486,000 |
| Securities available for sale | 20,953,000 | 21,404,000 | 21,443,000 | 21,998,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,045,000 | 192,952,000 | 197,320,000 | 201,453,000 |
| Interest-bearing deposits | 168,527,000 | 174,594,000 | 178,824,000 | 181,262,000 |
| Noninterest-bearing deposits | 17,518,000 | 18,357,000 | 18,496,000 | 20,191,000 |
| Equity capital | 18,641,000 | 18,896,000 | 19,150,000 | 19,255,000 |
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 | 2,301,000 | 4,612,000 | 6,938,000 | 9,313,000 |
| Interest expense | 417,000 | 854,000 | 1,293,000 | 1,735,000 |
| Net interest income | 1,884,000 | 3,758,000 | 5,645,000 | 7,578,000 |
| Noninterest income | 210,000 | 438,000 | 672,000 | 952,000 |
| Noninterest expense | 1,678,000 | 3,394,000 | 5,052,000 | 6,731,000 |
| Provision for loan losses | 32,000 | 75,000 | 97,000 | 129,000 |
| Pretax income | 384,000 | 727,000 | 1,168,000 | 1,670,000 |
| Income tax | 143,000 | 263,000 | 428,000 | 593,000 |
| Net income | 241,000 | 464,000 | 740,000 | 1,077,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,354,000 | 18,581,000 | 18,863,000 | 19,204,000 |
| Total capital | 19,837,000 | 20,018,000 | 20,319,000 | 20,690,000 |
| Risk-weighted assets | 162,779,000 | 163,794,000 | 166,528,000 | 171,229,000 |