Call reports 2016
BANK OF CARBONDALE, THE — 2016
What BANK OF CARBONDALE, THE 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 | 214,096,000 | 215,836,000 | 252,129,000 | 225,357,000 |
| Total loans | 150,895,000 | 149,636,000 | 141,905,000 | 140,543,000 |
| Allowance for loan losses | 2,341,000 | 2,323,000 | 1,631,000 | 2,179,000 |
| Securities available for sale | 50,778,000 | 53,499,000 | 60,083,000 | 61,876,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,891,000 | 183,602,000 | 223,159,000 | 197,183,000 |
| Interest-bearing deposits | 160,485,000 | 158,466,000 | 197,846,000 | 173,565,000 |
| Noninterest-bearing deposits | 21,406,000 | 25,136,000 | 25,313,000 | 23,618,000 |
| Equity capital | 26,952,000 | 27,630,000 | 27,857,000 | 27,213,000 |
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 | 1,955,000 | 3,943,000 | 5,895,000 | 7,818,000 |
| Interest expense | 169,000 | 342,000 | 524,000 | 718,000 |
| Net interest income | 1,786,000 | 3,601,000 | 5,371,000 | 7,100,000 |
| Noninterest income | 252,000 | 545,000 | 904,000 | 1,215,000 |
| Noninterest expense | 1,153,000 | 2,472,000 | 3,717,000 | 4,951,000 |
| Provision for loan losses | 0 | 0 | 45,000 | 1,960,000 |
| Pretax income | 892,000 | 1,684,000 | 2,523,000 | 1,414,000 |
| Income tax | 284,000 | 519,000 | 782,000 | 279,000 |
| Net income | 608,000 | 1,165,000 | 1,741,000 | 1,135,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,745,000 | 27,302,000 | 27,560,000 | 27,779,000 |
| Total capital | 28,745,000 | 29,293,000 | 29,191,000 | 29,695,000 |
| Risk-weighted assets | 159,671,000 | 159,023,000 | 153,544,000 | 153,033,000 |