Call reports 2016
F & C BANK — 2016
What F & C 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 | 179,873,000 | 178,929,000 | 179,875,000 | 186,818,000 |
| Total loans | 143,924,000 | 147,021,000 | 148,032,000 | 154,205,000 |
| Allowance for loan losses | 2,106,000 | 2,149,000 | 2,228,000 | 2,283,000 |
| Securities available for sale | 13,088,000 | 12,910,000 | 12,398,000 | 12,289,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,219,000 | 151,678,000 | 155,545,000 | 158,069,000 |
| Interest-bearing deposits | 118,484,000 | 132,450,000 | 136,968,000 | 132,537,000 |
| Noninterest-bearing deposits | 38,735,000 | 19,228,000 | 18,577,000 | 25,532,000 |
| Equity capital | 18,623,000 | 18,167,000 | 18,533,000 | 18,490,000 |
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 | 2,111,000 | 4,327,000 | 6,508,000 | 8,757,000 |
| Interest expense | 153,000 | 304,000 | 460,000 | 614,000 |
| Net interest income | 1,958,000 | 4,023,000 | 6,048,000 | 8,143,000 |
| Noninterest income | 276,000 | 578,000 | 942,000 | 1,231,000 |
| Noninterest expense | 1,505,000 | 3,022,000 | 4,556,000 | 6,214,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 654,000 | 1,429,000 | 2,209,000 | 2,860,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 654,000 | 1,429,000 | 2,209,000 | 2,860,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,419,000 | 17,824,000 | 18,254,000 | 18,556,000 |
| Total capital | 20,259,000 | 19,697,000 | 20,135,000 | 20,547,000 |
| Risk-weighted assets | 146,950,000 | 149,601,000 | 150,164,000 | 159,007,000 |