Call reports 2016
BANK OF BEARDEN — 2016
What BANK OF BEARDEN 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 | 46,690,000 | 43,699,000 | 42,803,000 | 45,330,000 |
| Total loans | 26,428,000 | 28,342,000 | 29,183,000 | 29,519,000 |
| Allowance for loan losses | 300,000 | 303,000 | 305,000 | 306,000 |
| Securities available for sale | 2,442,000 | 2,817,000 | 2,594,000 | 2,333,000 |
| Securities held to maturity | 6,247,000 | 5,871,000 | 5,521,000 | 5,190,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,655,000 | 37,597,000 | 36,173,000 | 38,970,000 |
| Interest-bearing deposits | 18,618,000 | 17,329,000 | 18,003,000 | 18,326,000 |
| Noninterest-bearing deposits | 22,037,000 | 20,269,000 | 18,170,000 | 20,645,000 |
| Equity capital | 6,023,000 | 6,083,000 | 6,188,000 | 5,995,000 |
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 | 387,000 | 786,000 | 1,199,000 | 1,610,000 |
| Interest expense | 18,000 | 36,000 | 53,000 | 73,000 |
| Net interest income | 369,000 | 750,000 | 1,146,000 | 1,537,000 |
| Noninterest income | 14,000 | 25,000 | 40,000 | 56,000 |
| Noninterest expense | 253,000 | 485,000 | 722,000 | 987,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 132,000 | 289,000 | 461,000 | 600,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 132,000 | 289,000 | 461,000 | 600,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,012,000 | 6,083,000 | 6,183,000 | 6,013,000 |
| Total capital | 6,312,000 | 6,386,000 | 6,396,000 | 6,319,000 |
| Risk-weighted assets | 36,392,000 | 31,482,000 | 16,910,000 | 31,470,000 |