Call reports 2016
FIRST PERSONAL BANK — 2016
What FIRST PERSONAL 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 | 152,681,000 | 151,368,000 | 151,910,000 | 152,416,000 |
| Total loans | 96,305,000 | 98,373,000 | 98,222,000 | 97,229,000 |
| Allowance for loan losses | 979,000 | 1,039,000 | 974,000 | 1,000,000 |
| Securities available for sale | 18,276,000 | 21,029,000 | 19,685,000 | 23,126,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,595,000 | 136,103,000 | 136,149,000 | 137,160,000 |
| Interest-bearing deposits | 124,544,000 | 122,066,000 | 121,874,000 | 123,509,000 |
| Noninterest-bearing deposits | 13,051,000 | 14,037,000 | 14,275,000 | 13,651,000 |
| Equity capital | 14,444,000 | 14,577,000 | 14,654,000 | 14,568,000 |
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 | 1,276,000 | 2,584,000 | 3,917,000 | 5,172,000 |
| Interest expense | 92,000 | 185,000 | 280,000 | 387,000 |
| Net interest income | 1,184,000 | 2,399,000 | 3,637,000 | 4,785,000 |
| Noninterest income | 132,000 | 308,000 | 413,000 | 568,000 |
| Noninterest expense | 1,112,000 | 2,236,000 | 3,416,000 | 4,487,000 |
| Provision for loan losses | 0 | 90,000 | 90,000 | 140,000 |
| Pretax income | 204,000 | 381,000 | 544,000 | 726,000 |
| Income tax | 69,000 | 125,000 | 175,000 | 233,000 |
| Net income | 135,000 | 256,000 | 369,000 | 493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,449,000 | 13,632,000 | 13,776,000 | 13,850,000 |
| Total capital | 14,428,000 | 14,671,000 | 14,750,000 | 14,850,000 |
| Risk-weighted assets | 92,647,000 | 92,676,000 | 94,496,000 | 96,873,000 |