Call reports 2016
FIRST NATIONAL BANK OF IZARD COUNTY — 2016
What FIRST NATIONAL BANK OF IZARD COUNTY 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 | 160,333,000 | 158,187,000 | 159,795,000 | 159,293,000 |
| Total loans | 70,468,000 | 71,873,000 | 72,384,000 | 71,951,000 |
| Allowance for loan losses | 537,000 | 534,000 | 531,000 | 530,000 |
| Securities available for sale | 25,280,000 | 19,560,000 | 16,372,000 | 19,331,000 |
| Securities held to maturity | 28,938,000 | 33,162,000 | 33,159,000 | 31,752,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,832,000 | 101,928,000 | 103,125,000 | 103,247,000 |
| Interest-bearing deposits | 75,228,000 | 73,225,000 | 73,494,000 | 74,335,000 |
| Noninterest-bearing deposits | 29,604,000 | 28,703,000 | 29,631,000 | 28,912,000 |
| Equity capital | 53,293,000 | 54,031,000 | 54,526,000 | 53,999,000 |
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 | 1,495,000 | 2,989,000 | 4,423,000 | 5,865,000 |
| Interest expense | 70,000 | 139,000 | 208,000 | 279,000 |
| Net interest income | 1,425,000 | 2,850,000 | 4,215,000 | 5,586,000 |
| Noninterest income | 290,000 | 560,000 | 829,000 | 1,118,000 |
| Noninterest expense | 928,000 | 1,842,000 | 2,736,000 | 4,314,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 808,000 | 1,709,000 | 2,491,000 | 2,576,000 |
| Income tax | 170,000 | 320,000 | 538,000 | 581,000 |
| Net income | 638,000 | 1,389,000 | 1,953,000 | 1,995,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,243,000 | 53,994,000 | 54,558,000 | 54,600,000 |
| Total capital | 53,780,000 | 54,528,000 | 55,089,000 | 55,130,000 |
| Risk-weighted assets | 85,700,000 | 86,148,000 | 86,406,000 | 86,246,000 |