Call reports 2016
BANK OF CLOVIS, THE — 2016
What BANK OF CLOVIS, 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 | 209,171,000 | 202,252,000 | 209,467,000 | 208,839,000 |
| Total loans | 88,285,000 | 89,479,000 | 91,159,000 | 92,698,000 |
| Allowance for loan losses | 1,972,000 | 1,627,000 | 1,550,000 | 1,632,000 |
| Securities available for sale | 85,688,000 | 76,094,000 | 80,751,000 | 77,202,000 |
| Securities held to maturity | 16,579,000 | 16,555,000 | 16,480,000 | 16,455,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,094,000 | 174,604,000 | 181,672,000 | 181,036,000 |
| Interest-bearing deposits | 133,678,000 | 130,929,000 | 137,008,000 | 139,149,000 |
| Noninterest-bearing deposits | 48,415,000 | 43,675,000 | 44,664,000 | 41,887,000 |
| Equity capital | 22,112,000 | 22,766,000 | 23,088,000 | 22,125,000 |
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 | 1,996,000 | 3,928,000 | 5,791,000 | 7,716,000 |
| Interest expense | 187,000 | 364,000 | 533,000 | 677,000 |
| Net interest income | 1,809,000 | 3,564,000 | 5,258,000 | 7,039,000 |
| Noninterest income | 192,000 | 398,000 | 599,000 | 789,000 |
| Noninterest expense | 1,316,000 | 2,504,000 | 3,720,000 | 5,017,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 535,000 | 1,163,000 | 1,692,000 | 2,216,000 |
| Income tax | 114,000 | 345,000 | 434,000 | 494,000 |
| Net income | 421,000 | 818,000 | 1,258,000 | 1,722,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,523,000 | 21,918,000 | 22,360,000 | 22,824,000 |
| Total capital | 22,669,000 | 23,013,000 | 23,432,000 | 23,960,000 |
| Risk-weighted assets | 90,825,000 | 87,058,000 | 85,226,000 | 90,335,000 |