Call reports 2016
FRIENDS BANK — 2016
What FRIENDS 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 | 104,968,000 | 103,619,000 | 103,777,000 | 98,923,000 |
| Total loans | 67,606,000 | 65,301,000 | 66,206,000 | 67,096,000 |
| Allowance for loan losses | 1,254,000 | 1,340,000 | 1,380,000 | 1,384,000 |
| Securities available for sale | 2,093,000 | 2,004,000 | 1,885,000 | 1,740,000 |
| Securities held to maturity | 595,000 | 552,000 | 517,000 | 479,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,845,000 | 95,417,000 | 95,198,000 | 90,328,000 |
| Interest-bearing deposits | 70,944,000 | 68,247,000 | 69,106,000 | 67,221,000 |
| Noninterest-bearing deposits | 25,901,000 | 27,170,000 | 26,092,000 | 23,107,000 |
| Equity capital | 7,815,000 | 7,915,000 | 8,251,000 | 8,412,000 |
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 | 898,000 | 1,845,000 | 2,772,000 | 3,702,000 |
| Interest expense | 86,000 | 169,000 | 246,000 | 320,000 |
| Net interest income | 812,000 | 1,676,000 | 2,526,000 | 3,382,000 |
| Noninterest income | 112,000 | 150,000 | 226,000 | 287,000 |
| Noninterest expense | 823,000 | 1,635,000 | 2,440,000 | 3,236,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 101,000 | 191,000 | 312,000 | 433,000 |
| Income tax | 0 | 0 | 0 | -74,000 |
| Net income | 101,000 | 191,000 | 312,000 | 507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,693,000 | 7,784,000 | 8,125,000 | 8,173,000 |
| Total capital | 8,562,000 | 8,600,000 | 8,938,000 | 8,989,000 |
| Risk-weighted assets | 69,140,000 | 64,769,000 | 64,448,000 | 64,670,000 |