Call reports 2016
FIRST INDEPENDENT BANK — 2016
What FIRST INDEPENDENT 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 | 96,536,000 | 98,903,000 | 96,988,000 | 94,691,000 |
| Total loans | 52,673,000 | 52,380,000 | 52,461,000 | 53,879,000 |
| Allowance for loan losses | 591,000 | 615,000 | 605,000 | 627,000 |
| Securities available for sale | 26,847,000 | 26,512,000 | 27,273,000 | 27,624,000 |
| Securities held to maturity | 2,457,000 | 2,598,000 | 3,050,000 | 3,316,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,550,000 | 88,683,000 | 86,734,000 | 84,759,000 |
| Interest-bearing deposits | 71,294,000 | 73,133,000 | 70,125,000 | 68,629,000 |
| Noninterest-bearing deposits | 15,256,000 | 15,550,000 | 16,609,000 | 16,130,000 |
| Equity capital | 9,729,000 | 9,951,000 | 9,960,000 | 9,739,000 |
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 | 880,000 | 1,759,000 | 2,647,000 | 3,521,000 |
| Interest expense | 88,000 | 175,000 | 261,000 | 345,000 |
| Net interest income | 792,000 | 1,584,000 | 2,386,000 | 3,176,000 |
| Noninterest income | 122,000 | 172,000 | 249,000 | 280,000 |
| Noninterest expense | 638,000 | 1,277,000 | 1,928,000 | 2,501,000 |
| Provision for loan losses | 3,000 | 47,000 | 58,000 | 95,000 |
| Pretax income | 273,000 | 438,000 | 655,000 | 866,000 |
| Income tax | 97,000 | 141,000 | 206,000 | 265,000 |
| Net income | 176,000 | 297,000 | 449,000 | 601,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,664,000 | 9,809,000 | 9,829,000 | 9,982,000 |
| Total capital | 10,255,000 | 10,424,000 | 10,434,000 | 10,609,000 |
| Risk-weighted assets | 52,974,000 | 53,650,000 | 52,778,000 | 53,276,000 |
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