Call reports 2016
INFIRST BANK — 2016
What INFIRST 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 | 339,539,000 | 347,044,000 | 354,134,000 | 358,089,000 |
| Total loans | 305,745,000 | 311,740,000 | 317,659,000 | 322,720,000 |
| Allowance for loan losses | 3,171,000 | 3,283,000 | 3,421,000 | 3,556,000 |
| Securities available for sale | 13,797,000 | 12,533,000 | 12,816,000 | 12,612,000 |
| Securities held to maturity | 183,000 | 173,000 | 162,000 | 149,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 265,325,000 | 277,012,000 | 291,017,000 | 279,551,000 |
| Interest-bearing deposits | 232,034,000 | 241,644,000 | 251,855,000 | 245,224,000 |
| Noninterest-bearing deposits | 33,291,000 | 35,368,000 | 39,162,000 | 34,327,000 |
| Equity capital | 34,317,000 | 34,806,000 | 35,240,000 | 35,602,000 |
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 | 3,531,000 | 7,164,000 | 10,882,000 | 14,695,000 |
| Interest expense | 610,000 | 1,246,000 | 1,912,000 | 2,582,000 |
| Net interest income | 2,921,000 | 5,918,000 | 8,970,000 | 12,113,000 |
| Noninterest income | 320,000 | 664,000 | 1,032,000 | 1,399,000 |
| Noninterest expense | 2,407,000 | 4,856,000 | 7,408,000 | 9,945,000 |
| Provision for loan losses | 135,000 | 270,000 | 405,000 | 540,000 |
| Pretax income | 699,000 | 1,456,000 | 2,189,000 | 3,027,000 |
| Income tax | 251,000 | 539,000 | 806,000 | 1,118,000 |
| Net income | 448,000 | 917,000 | 1,383,000 | 1,909,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,068,000 | 34,538,000 | 35,003,000 | 35,528,000 |
| Total capital | 37,067,000 | 37,630,000 | 38,196,000 | 38,722,000 |
| Risk-weighted assets | 239,722,000 | 247,185,000 | 255,226,000 | 255,125,000 |