Call reports 2016
FLORENCE BANK — 2016
What FLORENCE 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 | 1,229,920,000 | 1,253,661,000 | 1,275,506,000 | 1,283,372,000 |
| Total loans | 926,826,000 | 939,794,000 | 966,450,000 | 972,906,000 |
| Allowance for loan losses | 5,262,000 | 5,277,000 | 5,121,000 | 5,120,000 |
| Securities available for sale | 113,137,000 | 107,444,000 | 109,880,000 | 118,088,000 |
| Securities held to maturity | 80,663,000 | 96,895,000 | 97,361,000 | 100,882,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,029,052,000 | 1,049,640,000 | 1,068,819,000 | 1,074,713,000 |
| Interest-bearing deposits | 822,386,000 | 836,229,000 | 841,374,000 | 850,270,000 |
| Noninterest-bearing deposits | 206,666,000 | 213,411,000 | 227,445,000 | 224,443,000 |
| Equity capital | 117,823,000 | 120,691,000 | 123,016,000 | 124,287,000 |
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 | 10,339,000 | 21,024,000 | 31,849,000 | 42,797,000 |
| Interest expense | 1,102,000 | 2,257,000 | 3,432,000 | 4,605,000 |
| Net interest income | 9,237,000 | 18,767,000 | 28,417,000 | 38,192,000 |
| Noninterest income | 1,750,000 | 3,528,000 | 5,263,000 | 7,120,000 |
| Noninterest expense | 8,171,000 | 15,729,000 | 23,316,000 | 31,048,000 |
| Provision for loan losses | 6,000 | 29,000 | 50,000 | 80,000 |
| Pretax income | 2,810,000 | 6,537,000 | 10,314,000 | 14,184,000 |
| Income tax | 1,028,000 | 2,424,000 | 3,841,000 | 5,322,000 |
| Net income | 1,782,000 | 4,113,000 | 6,473,000 | 8,862,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 121,413,000 | 123,744,000 | 126,104,000 | 128,493,000 |
| Total capital | 126,716,000 | 129,063,000 | 131,267,000 | 133,628,000 |
| Risk-weighted assets | 824,654,000 | 840,870,000 | 862,124,000 | 868,397,000 |