Call reports 2016
INEZ DEPOSIT BANK — 2016
What INEZ DEPOSIT 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 | 152,293,000 | 147,859,000 | 152,462,000 | 148,261,000 |
| Total loans | 51,410,000 | 50,188,000 | 49,948,000 | 50,844,000 |
| Allowance for loan losses | 784,000 | 732,000 | 719,000 | 732,000 |
| Securities available for sale | 74,270,000 | 76,010,000 | 75,328,000 | 72,848,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,071,000 | 128,197,000 | 132,852,000 | 130,264,000 |
| Interest-bearing deposits | 107,119,000 | 103,000,000 | 105,699,000 | 103,045,000 |
| Noninterest-bearing deposits | 25,952,000 | 25,197,000 | 27,153,000 | 27,219,000 |
| Equity capital | 18,776,000 | 19,040,000 | 18,951,000 | 17,626,000 |
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 | 1,173,000 | 2,317,000 | 3,445,000 | 4,537,000 |
| Interest expense | 165,000 | 327,000 | 479,000 | 631,000 |
| Net interest income | 1,008,000 | 1,990,000 | 2,966,000 | 3,906,000 |
| Noninterest income | 265,000 | 508,000 | 777,000 | 1,069,000 |
| Noninterest expense | 1,110,000 | 2,273,000 | 3,506,000 | 4,608,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 110,000 |
| Pretax income | 148,000 | 195,000 | 192,000 | 294,000 |
| Income tax | 27,000 | 9,000 | -7,000 | 0 |
| Net income | 121,000 | 186,000 | 199,000 | 294,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,311,000 | 18,376,000 | 18,389,000 | 18,283,000 |
| Total capital | 19,030,000 | 19,089,000 | 19,108,000 | 19,015,000 |
| Risk-weighted assets | 57,492,000 | 57,092,000 | 57,955,000 | 58,891,000 |