Call reports 2016
ACB BANK — 2016
What ACB 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 | 107,239,000 | 112,559,000 | 115,431,000 | 117,521,000 |
| Total loans | 88,365,000 | 90,033,000 | 92,927,000 | 95,654,000 |
| Allowance for loan losses | 1,535,000 | 1,669,000 | 1,795,000 | 1,421,000 |
| Securities available for sale | 12,488,000 | 15,515,000 | 15,443,000 | 14,699,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,308,000 | 90,807,000 | 89,025,000 | 94,997,000 |
| Interest-bearing deposits | 74,354,000 | 74,176,000 | 73,545,000 | 78,179,000 |
| Noninterest-bearing deposits | 16,954,000 | 16,631,000 | 15,480,000 | 16,818,000 |
| Equity capital | 9,718,000 | 9,638,000 | 9,976,000 | 9,578,000 |
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 | 1,453,000 | 2,793,000 | 4,218,000 | 5,635,000 |
| Interest expense | 120,000 | 246,000 | 393,000 | 564,000 |
| Net interest income | 1,333,000 | 2,547,000 | 3,825,000 | 5,071,000 |
| Noninterest income | 136,000 | 276,000 | 429,000 | 575,000 |
| Noninterest expense | 687,000 | 1,324,000 | 1,916,000 | 2,789,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 640,000 | 1,207,000 | 1,897,000 | 2,266,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 640,000 | 1,207,000 | 1,897,000 | 2,266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,716,000 | 9,527,000 | 9,889,000 | 9,930,000 |
| Total capital | 10,899,000 | 10,763,000 | 11,167,000 | 11,240,000 |
| Risk-weighted assets | 94,328,000 | 98,463,000 | 101,753,000 | 104,734,000 |