Call reports 2016
HOLMES COUNTY BANK — 2016
What HOLMES COUNTY 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 | 114,366,000 | 107,807,000 | 106,709,000 | 109,916,000 |
| Total loans | 48,763,000 | 50,750,000 | 51,330,000 | 46,756,000 |
| Allowance for loan losses | 971,000 | 969,000 | 974,000 | 929,000 |
| Securities available for sale | 34,045,000 | 36,148,000 | 33,737,000 | 37,723,000 |
| Securities held to maturity | 1,574,000 | 1,573,000 | 1,452,000 | 1,451,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,222,000 | 91,202,000 | 89,914,000 | 93,913,000 |
| Interest-bearing deposits | 76,222,000 | 52,366,000 | 52,529,000 | 73,718,000 |
| Noninterest-bearing deposits | 22,000,000 | 38,836,000 | 37,385,000 | 20,195,000 |
| Equity capital | 14,043,000 | 14,446,000 | 14,481,000 | 13,769,000 |
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 | 779,000 | 1,658,000 | 2,553,000 | 3,447,000 |
| Interest expense | 75,000 | 158,000 | 244,000 | 322,000 |
| Net interest income | 704,000 | 1,500,000 | 2,309,000 | 3,125,000 |
| Noninterest income | 159,000 | 435,000 | 575,000 | 736,000 |
| Noninterest expense | 911,000 | 1,823,000 | 2,731,000 | 3,585,000 |
| Provision for loan losses | -44,000 | -76,000 | -76,000 | -46,000 |
| Pretax income | -4,000 | 188,000 | 292,000 | 385,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -4,000 | 188,000 | 292,000 | 385,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,792,000 | 13,984,000 | 14,088,000 | 13,987,000 |
| Total capital | 14,574,000 | 14,778,000 | 14,873,000 | 14,725,000 |
| Risk-weighted assets | 62,342,000 | 63,345,000 | 62,610,000 | 58,810,000 |