Call reports 2016
FOUNTAIN TRUST COMPANY, THE — 2016
What FOUNTAIN TRUST COMPANY, 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 | 286,591,000 | 285,793,000 | 289,874,000 | 291,922,000 |
| Total loans | 164,318,000 | 174,357,000 | 177,158,000 | 173,312,000 |
| Allowance for loan losses | 3,700,000 | 3,700,000 | 3,775,000 | 3,775,000 |
| Securities available for sale | 93,522,000 | 93,493,000 | 88,736,000 | 83,634,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 243,537,000 | 239,853,000 | 241,331,000 | 248,505,000 |
| Interest-bearing deposits | 188,454,000 | 186,871,000 | 186,348,000 | 190,586,000 |
| Noninterest-bearing deposits | 55,083,000 | 52,982,000 | 54,983,000 | 57,919,000 |
| Equity capital | 41,394,000 | 42,590,000 | 43,053,000 | 42,015,000 |
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 | 2,745,000 | 5,546,000 | 8,434,000 | 11,269,000 |
| Interest expense | 147,000 | 302,000 | 459,000 | 612,000 |
| Net interest income | 2,598,000 | 5,244,000 | 7,975,000 | 10,657,000 |
| Noninterest income | 538,000 | 1,149,000 | 1,786,000 | 2,363,000 |
| Noninterest expense | 2,017,000 | 4,091,000 | 6,266,000 | 8,537,000 |
| Provision for loan losses | 6,000 | 22,000 | 160,000 | 205,000 |
| Pretax income | 1,174,000 | 2,371,000 | 3,426,000 | 4,369,000 |
| Income tax | 411,000 | 811,000 | 1,130,000 | 1,481,000 |
| Net income | 763,000 | 1,560,000 | 2,296,000 | 2,888,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,948,000 | 40,695,000 | 41,380,000 | 41,558,000 |
| Total capital | 42,082,000 | 42,942,000 | 43,630,000 | 43,774,000 |
| Risk-weighted assets | 169,190,000 | 178,288,000 | 178,455,000 | 175,748,000 |