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 | 108,472,000 | 101,951,000 | 101,606,000 | 101,905,000 |
| Total loans | 67,049,000 | 67,396,000 | 67,049,000 | 65,663,000 |
| Allowance for loan losses | 1,004,000 | 995,000 | 908,000 | 901,000 |
| Securities available for sale | 19,290,000 | 6,355,000 | 5,121,000 | 6,142,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,054,000 | 92,513,000 | 92,175,000 | 92,486,000 |
| Interest-bearing deposits | 79,622,000 | 74,791,000 | 74,491,000 | 76,226,000 |
| Noninterest-bearing deposits | 19,432,000 | 17,722,000 | 17,684,000 | 16,260,000 |
| Equity capital | 9,060,000 | 9,109,000 | 9,110,000 | 9,003,000 |
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 | 1,161,000 | 2,291,000 | 3,366,000 | 4,417,000 |
| Interest expense | 142,000 | 283,000 | 422,000 | 561,000 |
| Net interest income | 1,019,000 | 2,008,000 | 2,944,000 | 3,856,000 |
| Noninterest income | 101,000 | 220,000 | 330,000 | 433,000 |
| Noninterest expense | 943,000 | 1,936,000 | 2,890,000 | 3,829,000 |
| Provision for loan losses | 0 | 0 | -10,000 | -10,000 |
| Pretax income | 177,000 | 292,000 | 394,000 | 470,000 |
| Income tax | 29,000 | 57,000 | 86,000 | 101,000 |
| Net income | 148,000 | 235,000 | 308,000 | 369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,993,000 | 9,002,000 | 8,993,000 | 8,988,000 |
| Total capital | 9,798,000 | 9,789,000 | 9,777,000 | 9,763,000 |
| Risk-weighted assets | 64,165,000 | 62,716,000 | 62,587,000 | 61,843,000 |