Call reports 2016
BANK OF CALHOUN COUNTY — 2016
What BANK OF CALHOUN COUNTY 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 | 68,723,000 | 66,442,000 | 67,115,000 | 67,151,000 |
| Total loans | 34,456,000 | 35,400,000 | 35,692,000 | 34,251,000 |
| Allowance for loan losses | 247,000 | 247,000 | 246,000 | 253,000 |
| Securities available for sale | 20,528,000 | 19,384,000 | 18,077,000 | 16,881,000 |
| Securities held to maturity | 284,000 | 278,000 | 267,000 | 263,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,597,000 | 58,978,000 | 59,664,000 | 59,931,000 |
| Interest-bearing deposits | 49,180,000 | 46,580,000 | 47,860,000 | 47,213,000 |
| Noninterest-bearing deposits | 12,417,000 | 12,398,000 | 11,803,000 | 12,718,000 |
| Equity capital | 6,404,000 | 6,683,000 | 6,690,000 | 6,562,000 |
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 | 495,000 | 989,000 | 1,490,000 | 1,992,000 |
| Interest expense | 72,000 | 140,000 | 210,000 | 276,000 |
| Net interest income | 423,000 | 849,000 | 1,280,000 | 1,716,000 |
| Noninterest income | 67,000 | 377,000 | 442,000 | 500,000 |
| Noninterest expense | 410,000 | 827,000 | 1,247,000 | 1,698,000 |
| Provision for loan losses | 0 | 0 | 0 | 77,000 |
| Pretax income | 80,000 | 399,000 | 475,000 | 441,000 |
| Income tax | 28,000 | 51,000 | 68,000 | 72,000 |
| Net income | 52,000 | 348,000 | 407,000 | 369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,427,000 | 5,706,000 | 5,713,000 | 5,496,000 |
| Total capital | 5,674,000 | 5,953,000 | 5,959,000 | 5,749,000 |
| Risk-weighted assets | 34,400,000 | 34,388,000 | 35,071,000 | 33,878,000 |