Call reports 2016
BANK OF MODESTO — 2016
What BANK OF MODESTO 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 | 47,378,000 | 46,603,000 | 48,594,000 | 48,979,000 |
| Total loans | 29,775,000 | 29,116,000 | 29,743,000 | 29,879,000 |
| Allowance for loan losses | 201,000 | 199,000 | 199,000 | 198,000 |
| Securities available for sale | 0 | 250,000 | 249,000 | 1,213,000 |
| Securities held to maturity | 10,948,000 | 10,941,000 | 10,688,000 | 9,765,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,412,000 | 41,550,000 | 43,467,000 | 43,916,000 |
| Interest-bearing deposits | 35,119,000 | 34,320,000 | 34,681,000 | 35,065,000 |
| Noninterest-bearing deposits | 7,293,000 | 7,230,000 | 8,786,000 | 8,851,000 |
| Equity capital | 4,768,000 | 4,839,000 | 4,916,000 | 4,841,000 |
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 | 776,000 | 1,179,000 | 1,578,000 |
| Interest expense | 35,000 | 71,000 | 106,000 | 140,000 |
| Net interest income | 350,000 | 705,000 | 1,073,000 | 1,438,000 |
| Noninterest income | 30,000 | 70,000 | 102,000 | 122,000 |
| Noninterest expense | 282,000 | 565,000 | 839,000 | 1,332,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 98,000 | 210,000 | 336,000 | 228,000 |
| Income tax | 36,000 | 78,000 | 126,000 | 13,000 |
| Net income | 62,000 | 132,000 | 210,000 | 215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,764,000 | 4,839,000 | 4,917,000 | 4,862,000 |
| Total capital | 4,965,000 | 5,038,000 | 5,116,000 | 5,060,000 |
| Risk-weighted assets | 32,698,000 | 32,005,000 | 32,789,000 | 32,538,000 |