Call reports 2016
FFB BANK — 2016
What FFB 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 | 297,238,000 | 292,318,000 | 333,463,000 | 363,533,000 |
| Total loans | 191,844,000 | 207,466,000 | 214,319,000 | 227,236,000 |
| Allowance for loan losses | 3,766,000 | 4,081,000 | 2,685,000 | 2,880,000 |
| Securities available for sale | 67,071,000 | 66,369,000 | 66,707,000 | 66,293,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 269,043,000 | 257,592,000 | 303,536,000 | 332,529,000 |
| Interest-bearing deposits | 157,188,000 | 139,440,000 | 156,322,000 | 162,869,000 |
| Noninterest-bearing deposits | 111,855,000 | 118,152,000 | 147,214,000 | 169,660,000 |
| Equity capital | 27,718,000 | 28,594,000 | 29,385,000 | 29,699,000 |
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 | 2,971,000 | 6,094,000 | 9,462,000 | 12,933,000 |
| Interest expense | 110,000 | 219,000 | 335,000 | 458,000 |
| Net interest income | 2,861,000 | 5,875,000 | 9,127,000 | 12,475,000 |
| Noninterest income | 384,000 | 831,000 | 1,273,000 | 1,727,000 |
| Noninterest expense | 1,883,000 | 3,809,000 | 5,784,000 | 7,768,000 |
| Provision for loan losses | 210,000 | 525,000 | 1,090,000 | 1,266,000 |
| Pretax income | 1,158,000 | 2,380,000 | 3,534,000 | 5,176,000 |
| Income tax | 447,000 | 919,000 | 1,364,000 | 2,069,000 |
| Net income | 711,000 | 1,461,000 | 2,170,000 | 3,107,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,090,000 | 27,877,000 | 28,625,000 | 29,597,000 |
| Total capital | 29,333,000 | 30,275,000 | 31,152,000 | 32,097,000 |
| Risk-weighted assets | 177,913,000 | 190,115,000 | 202,008,000 | 199,576,000 |