Call reports 2016
ANDALUSIA COMMUNITY BANK — 2016
What ANDALUSIA COMMUNITY 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 | 37,996,000 | 38,885,000 | 39,936,000 | 40,043,000 |
| Total loans | 25,910,000 | 26,835,000 | 28,379,000 | 28,941,000 |
| Allowance for loan losses | 855,000 | 861,000 | 878,000 | 879,000 |
| Securities available for sale | 5,755,000 | 5,767,000 | 5,751,000 | 5,387,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,185,000 | 32,447,000 | 32,715,000 | 32,314,000 |
| Interest-bearing deposits | 25,712,000 | 25,630,000 | 25,627,000 | 25,404,000 |
| Noninterest-bearing deposits | 6,473,000 | 6,817,000 | 7,088,000 | 6,910,000 |
| Equity capital | 5,694,000 | 5,789,000 | 5,906,000 | 5,817,000 |
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 | 385,000 | 788,000 | 1,204,000 | 1,615,000 |
| Interest expense | 19,000 | 37,000 | 55,000 | 75,000 |
| Net interest income | 366,000 | 751,000 | 1,149,000 | 1,540,000 |
| Noninterest income | 38,000 | 85,000 | 178,000 | 225,000 |
| Noninterest expense | 360,000 | 721,000 | 1,075,000 | 1,454,000 |
| Provision for loan losses | 11,000 | 11,000 | 28,000 | 103,000 |
| Pretax income | 86,000 | 158,000 | 277,000 | 261,000 |
| Income tax | 8,000 | 15,000 | 26,000 | 0 |
| Net income | 78,000 | 143,000 | 251,000 | 261,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,612,000 | 5,676,000 | 5,784,000 | 5,795,000 |
| Total capital | 5,891,000 | 5,960,000 | 6,068,000 | 6,086,000 |
| Risk-weighted assets | 21,777,000 | 22,199,000 | 22,192,000 | 22,707,000 |