Call reports 2016
EASTERN COLORADO BANK, THE — 2016
What EASTERN COLORADO BANK, 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 | 366,576,000 | 373,297,000 | 370,598,000 | 367,248,000 |
| Total loans | 252,167,000 | 262,199,000 | 262,292,000 | 264,770,000 |
| Allowance for loan losses | 3,381,000 | 3,459,000 | 3,544,000 | 3,508,000 |
| Securities available for sale | 77,047,000 | 78,873,000 | 79,570,000 | 74,979,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 307,725,000 | 312,441,000 | 305,149,000 | 311,349,000 |
| Interest-bearing deposits | 232,232,000 | 236,051,000 | 234,764,000 | 234,131,000 |
| Noninterest-bearing deposits | 75,493,000 | 76,390,000 | 70,385,000 | 77,218,000 |
| Equity capital | 38,343,000 | 40,275,000 | 40,557,000 | 37,879,000 |
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 | 3,793,000 | 7,812,000 | 11,741,000 | 15,666,000 |
| Interest expense | 288,000 | 585,000 | 892,000 | 1,195,000 |
| Net interest income | 3,505,000 | 7,227,000 | 10,849,000 | 14,471,000 |
| Noninterest income | 234,000 | 486,000 | 763,000 | 1,032,000 |
| Noninterest expense | 2,313,000 | 4,700,000 | 6,981,000 | 9,531,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 1,388,000 | 2,970,000 | 4,649,000 | 5,915,000 |
| Income tax | 1,000 | 7,000 | 10,000 | 12,000 |
| Net income | 1,387,000 | 2,963,000 | 4,639,000 | 5,903,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,818,000 | 35,016,000 | 35,814,000 | 36,328,000 |
| Total capital | 37,199,000 | 38,475,000 | 39,358,000 | 39,836,000 |
| Risk-weighted assets | 278,211,000 | 288,043,000 | 289,511,000 | 291,569,000 |