Call reports 2016
ALL CAPITAL BANK — 2016
What ALL CAPITAL 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 | 31,870,000 | 32,301,000 | 31,156,000 | 31,770,000 |
| Total loans | 20,587,000 | 20,912,000 | 21,481,000 | 21,985,000 |
| Allowance for loan losses | 519,000 | 540,000 | 559,000 | 587,000 |
| Securities available for sale | 17,000 | 17,000 | 17,000 | 15,000 |
| Securities held to maturity | 3,104,000 | 2,978,000 | 3,611,000 | 3,610,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,754,000 | 28,068,000 | 26,742,000 | 27,264,000 |
| Interest-bearing deposits | 17,636,000 | 18,161,000 | 17,345,000 | 17,693,000 |
| Noninterest-bearing deposits | 10,118,000 | 9,907,000 | 9,397,000 | 9,571,000 |
| Equity capital | 3,755,000 | 3,827,000 | 3,924,000 | 4,018,000 |
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 | 445,000 | 903,000 | 1,366,000 | 1,832,000 |
| Interest expense | 12,000 | 24,000 | 35,000 | 46,000 |
| Net interest income | 433,000 | 879,000 | 1,331,000 | 1,786,000 |
| Noninterest income | 118,000 | 235,000 | 364,000 | 495,000 |
| Noninterest expense | 350,000 | 699,000 | 1,036,000 | 1,380,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 171,000 | 355,000 | 569,000 | 781,000 |
| Income tax | 61,000 | 126,000 | 203,000 | 279,000 |
| Net income | 110,000 | 229,000 | 366,000 | 502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,664,000 | 3,736,000 | 3,833,000 | 3,927,000 |
| Total capital | 3,952,000 | 4,033,000 | 4,137,000 | 4,237,000 |
| Risk-weighted assets | 22,814,000 | 23,547,000 | 24,093,000 | 24,584,000 |