Call reports 2016
FIRST NATIONAL BANK OF MERTZON, THE — 2016
What FIRST NATIONAL BANK OF MERTZON, THE 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 | 329,614,000 | 315,465,000 | 317,716,000 | 334,324,000 |
| Total loans | 70,073,000 | 69,804,000 | 69,380,000 | 59,967,000 |
| Allowance for loan losses | 894,000 | 892,000 | 889,000 | 1,141,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 180,521,000 | 170,573,000 | 175,596,000 | 183,031,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 306,250,000 | 291,640,000 | 293,371,000 | 309,859,000 |
| Interest-bearing deposits | 200,466,000 | 190,160,000 | 193,726,000 | 205,077,000 |
| Noninterest-bearing deposits | 105,784,000 | 101,480,000 | 99,645,000 | 104,782,000 |
| Equity capital | 23,126,000 | 23,706,000 | 24,240,000 | 24,363,000 |
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 | 1,491,000 | 3,039,000 | 4,569,000 | 6,061,000 |
| Interest expense | 40,000 | 78,000 | 116,000 | 153,000 |
| Net interest income | 1,451,000 | 2,961,000 | 4,453,000 | 5,908,000 |
| Noninterest income | 95,000 | 180,000 | 265,000 | 338,000 |
| Noninterest expense | 860,000 | 1,695,000 | 2,538,000 | 3,644,000 |
| Provision for loan losses | 0 | 0 | 0 | 250,000 |
| Pretax income | 686,000 | 1,446,000 | 2,180,000 | 2,352,000 |
| Income tax | 119,000 | 299,000 | 499,000 | 548,000 |
| Net income | 567,000 | 1,147,000 | 1,681,000 | 1,804,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,126,000 | 23,706,000 | 24,240,000 | 24,363,000 |
| Total capital | 24,040,000 | 24,618,000 | 25,149,000 | 25,524,000 |
| Risk-weighted assets | 102,285,000 | 100,567,000 | 103,330,000 | 94,251,000 |