Call reports 2016
FMS BANK — 2016
What FMS 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 | 156,867,000 | 155,408,000 | 159,264,000 | 162,286,000 |
| Total loans | 110,735,000 | 113,593,000 | 116,247,000 | 115,209,000 |
| Allowance for loan losses | 1,535,000 | 1,580,000 | 1,586,000 | 1,630,000 |
| Securities available for sale | 28,351,000 | 26,906,000 | 24,064,000 | 26,367,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,756,000 | 125,281,000 | 127,901,000 | 135,281,000 |
| Interest-bearing deposits | 93,222,000 | 89,651,000 | 93,951,000 | 96,523,000 |
| Noninterest-bearing deposits | 33,534,000 | 35,630,000 | 33,950,000 | 38,758,000 |
| Equity capital | 16,224,000 | 16,803,000 | 17,214,000 | 17,070,000 |
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 | 1,875,000 | 3,746,000 | 5,772,000 | 7,764,000 |
| Interest expense | 145,000 | 286,000 | 438,000 | 582,000 |
| Net interest income | 1,730,000 | 3,460,000 | 5,334,000 | 7,182,000 |
| Noninterest income | 544,000 | 1,172,000 | 1,705,000 | 2,373,000 |
| Noninterest expense | 1,602,000 | 3,201,000 | 4,864,000 | 6,684,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 627,000 | 1,319,000 | 1,984,000 | 2,459,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 627,000 | 1,319,000 | 1,984,000 | 2,459,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,116,000 | 16,620,000 | 16,890,000 | 17,116,000 |
| Total capital | 17,661,000 | 18,210,000 | 18,486,000 | 18,756,000 |
| Risk-weighted assets | 160,705,000 | 165,156,000 | 169,486,000 | 173,433,000 |