Call reports 2016
LOCAL BANK — 2016
What LOCAL 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 | 16,253,000 | 15,964,000 | 16,080,000 | 16,532,000 |
| Total loans | 6,026,000 | 5,997,000 | 6,370,000 | 6,370,000 |
| Allowance for loan losses | 70,000 | 75,000 | 77,000 | 68,000 |
| Securities available for sale | 6,576,000 | 5,350,000 | 6,091,000 | 5,016,000 |
| Securities held to maturity | 0 | 0 | 0 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,306,000 | 13,970,000 | 14,005,000 | 14,662,000 |
| Interest-bearing deposits | 9,933,000 | 9,551,000 | 9,434,000 | 9,621,000 |
| Noninterest-bearing deposits | 4,373,000 | 4,419,000 | 4,571,000 | 5,041,000 |
| Equity capital | 1,923,000 | 1,954,000 | 2,013,000 | 1,854,000 |
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 | 190,000 | 369,000 | 575,000 | 772,000 |
| Interest expense | 8,000 | 14,000 | 21,000 | 28,000 |
| Net interest income | 182,000 | 355,000 | 554,000 | 744,000 |
| Noninterest income | 10,000 | 29,000 | 52,000 | 76,000 |
| Noninterest expense | 145,000 | 308,000 | 450,000 | 596,000 |
| Provision for loan losses | 0 | 0 | 0 | 13,000 |
| Pretax income | 47,000 | 76,000 | 156,000 | 211,000 |
| Income tax | 10,000 | 16,000 | 34,000 | 47,000 |
| Net income | 37,000 | 60,000 | 122,000 | 164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,926,000 | 1,949,000 | 2,010,000 | 1,901,000 |
| Total capital | 1,996,000 | 2,024,000 | 2,087,000 | 1,969,000 |
| Risk-weighted assets | 7,715,000 | 7,630,000 | 7,966,000 | 9,037,000 |