Call reports 2016
BAKER BOYER NATIONAL BANK — 2016
What BAKER BOYER NATIONAL 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 | 575,449,000 | 569,651,000 | 583,212,000 | 601,382,000 |
| Total loans | 284,682,000 | 293,433,000 | 289,616,000 | 280,467,000 |
| Allowance for loan losses | 6,024,000 | 6,007,000 | 6,126,000 | 6,054,000 |
| Securities available for sale | 193,821,000 | 197,675,000 | 197,555,000 | 200,030,000 |
| Securities held to maturity | 1,444,000 | 1,446,000 | 1,288,000 | 1,290,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 503,611,000 | 497,561,000 | 512,229,000 | 527,259,000 |
| Interest-bearing deposits | 356,062,000 | 348,927,000 | 352,006,000 | 356,554,000 |
| Noninterest-bearing deposits | 147,549,000 | 148,634,000 | 160,223,000 | 170,705,000 |
| Equity capital | 50,724,000 | 50,891,000 | 50,966,000 | 50,585,000 |
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 | 4,557,000 | 9,135,000 | 13,777,000 | 18,530,000 |
| Interest expense | 75,000 | 149,000 | 220,000 | 290,000 |
| Net interest income | 4,482,000 | 8,986,000 | 13,557,000 | 18,240,000 |
| Noninterest income | 2,679,000 | 5,488,000 | 8,379,000 | 11,887,000 |
| Noninterest expense | 5,287,000 | 10,973,000 | 16,430,000 | 22,353,000 |
| Provision for loan losses | 103,000 | 266,000 | 433,000 | 477,000 |
| Pretax income | 1,782,000 | 3,272,000 | 5,110,000 | 7,334,000 |
| Income tax | 461,000 | 785,000 | 1,220,000 | 1,769,000 |
| Net income | 1,321,000 | 2,487,000 | 3,890,000 | 5,565,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,802,000 | 49,669,000 | 49,777,000 | 50,552,000 |
| Total capital | 54,030,000 | 53,932,000 | 54,037,000 | 54,711,000 |
| Risk-weighted assets | 336,059,000 | 338,967,000 | 338,405,000 | 330,050,000 |