Call reports 2016
FIRST FINANCIAL BANK IN WINNEBAGO — 2016
What FIRST FINANCIAL BANK IN WINNEBAGO 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 | 44,504,000 | 43,538,000 | 43,631,000 | 44,844,000 |
| Total loans | 29,628,000 | 28,483,000 | 28,537,000 | 29,543,000 |
| Allowance for loan losses | 209,000 | 215,000 | 227,000 | 272,000 |
| Securities available for sale | 10,346,000 | 10,345,000 | 10,566,000 | 10,275,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,171,000 | 34,553,000 | 35,089,000 | 35,448,000 |
| Interest-bearing deposits | 28,978,000 | 29,091,000 | 30,011,000 | 29,487,000 |
| Noninterest-bearing deposits | 6,193,000 | 5,462,000 | 5,078,000 | 5,961,000 |
| Equity capital | 6,937,000 | 7,022,000 | 6,979,000 | 6,757,000 |
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 | 455,000 | 911,000 | 1,361,000 | 1,805,000 |
| Interest expense | 41,000 | 86,000 | 130,000 | 179,000 |
| Net interest income | 414,000 | 825,000 | 1,231,000 | 1,626,000 |
| Noninterest income | 27,000 | 49,000 | 71,000 | 95,000 |
| Noninterest expense | 272,000 | 548,000 | 841,000 | 1,137,000 |
| Provision for loan losses | 6,000 | 51,000 | 63,000 | 105,000 |
| Pretax income | 163,000 | 277,000 | 400,000 | 481,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 162,000 | 276,000 | 399,000 | 480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,711,000 | 6,720,000 | 6,738,000 | 6,714,000 |
| Total capital | 6,920,000 | 6,935,000 | 6,965,000 | 6,986,000 |
| Risk-weighted assets | 33,447,000 | 32,548,000 | 32,816,000 | 34,093,000 |