Call reports 2016
FIRST NATIONAL BANK OF DRYDEN, THE — 2016
What FIRST NATIONAL BANK OF DRYDEN, 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 | 141,482,000 | 141,061,000 | 146,606,000 | 141,412,000 |
| Total loans | 42,028,000 | 43,539,000 | 44,165,000 | 44,791,000 |
| Allowance for loan losses | 1,141,000 | 1,139,000 | 1,126,000 | 1,010,000 |
| Securities available for sale | 65,432,000 | 67,941,000 | 67,552,000 | 67,487,000 |
| Securities held to maturity | 1,636,000 | 1,626,000 | 1,372,000 | 1,309,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,983,000 | 123,696,000 | 129,304,000 | 125,270,000 |
| Interest-bearing deposits | 92,542,000 | 90,119,000 | 93,406,000 | 93,943,000 |
| Noninterest-bearing deposits | 32,441,000 | 33,577,000 | 35,898,000 | 31,327,000 |
| Equity capital | 16,236,000 | 16,854,000 | 16,909,000 | 16,051,000 |
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 | 1,053,000 | 2,122,000 | 3,206,000 | 4,278,000 |
| Interest expense | 35,000 | 71,000 | 108,000 | 145,000 |
| Net interest income | 1,018,000 | 2,051,000 | 3,098,000 | 4,133,000 |
| Noninterest income | 87,000 | 174,000 | 278,000 | 239,000 |
| Noninterest expense | 677,000 | 1,430,000 | 2,097,000 | 2,908,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | -85,000 |
| Pretax income | 422,000 | 783,000 | 1,261,000 | 1,549,000 |
| Income tax | 37,000 | 58,000 | 114,000 | 154,000 |
| Net income | 385,000 | 725,000 | 1,147,000 | 1,395,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,571,000 | 15,840,000 | 16,129,000 | 15,976,000 |
| Total capital | 16,205,000 | 16,487,000 | 16,795,000 | 16,638,000 |
| Risk-weighted assets | 50,222,000 | 51,240,000 | 52,847,000 | 52,609,000 |