Call reports 2016
FIRST NATIONAL BANK OF CARMI, THE — 2016
What FIRST NATIONAL BANK OF CARMI, 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 | 398,570,000 | 393,690,000 | 393,961,000 | 403,058,000 |
| Total loans | 269,162,000 | 280,378,000 | 287,315,000 | 292,757,000 |
| Allowance for loan losses | 3,257,000 | 3,448,000 | 3,448,000 | 3,715,000 |
| Securities available for sale | 71,533,000 | 69,543,000 | 64,370,000 | 57,511,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 361,357,000 | 355,723,000 | 355,448,000 | 365,228,000 |
| Interest-bearing deposits | 329,765,000 | 325,866,000 | 322,667,000 | 333,338,000 |
| Noninterest-bearing deposits | 31,592,000 | 29,857,000 | 32,781,000 | 31,890,000 |
| Equity capital | 35,788,000 | 36,159,000 | 36,553,000 | 36,088,000 |
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 | 3,412,000 | 7,020,000 | 10,689,000 | 14,345,000 |
| Interest expense | 297,000 | 580,000 | 858,000 | 1,128,000 |
| Net interest income | 3,115,000 | 6,440,000 | 9,831,000 | 13,217,000 |
| Noninterest income | 750,000 | 1,411,000 | 2,464,000 | 3,511,000 |
| Noninterest expense | 2,820,000 | 5,810,000 | 8,851,000 | 12,536,000 |
| Provision for loan losses | 0 | 128,000 | 231,000 | 481,000 |
| Pretax income | 1,045,000 | 1,913,000 | 3,213,000 | 3,711,000 |
| Income tax | 330,000 | 632,000 | 1,103,000 | 1,248,000 |
| Net income | 715,000 | 1,281,000 | 2,110,000 | 2,463,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,186,000 | 33,455,000 | 33,938,000 | 33,980,000 |
| Total capital | 36,503,000 | 36,963,000 | 37,446,000 | 37,771,000 |
| Risk-weighted assets | 298,164,000 | 305,729,000 | 312,267,000 | 310,332,000 |