Call reports 2016
O'BANNON BANKING COMPANY — 2016
What O'BANNON BANKING COMPANY 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 | 176,587,000 | 172,238,000 | 173,492,000 | 175,636,000 |
| Total loans | 133,973,000 | 134,237,000 | 136,934,000 | 140,171,000 |
| Allowance for loan losses | 1,489,000 | 1,399,000 | 1,467,000 | 1,477,000 |
| Securities available for sale | 10,929,000 | 9,901,000 | 10,635,000 | 9,729,000 |
| Securities held to maturity | 9,994,000 | 9,990,000 | 10,006,000 | 10,232,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,849,000 | 155,209,000 | 152,383,000 | 158,607,000 |
| Interest-bearing deposits | 132,224,000 | 127,461,000 | 123,939,000 | 130,263,000 |
| Noninterest-bearing deposits | 27,624,000 | 27,749,000 | 28,444,000 | 28,345,000 |
| Equity capital | 15,968,000 | 16,351,000 | 16,279,000 | 16,498,000 |
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 | 1,915,000 | 3,835,000 | 5,777,000 | 7,740,000 |
| Interest expense | 178,000 | 354,000 | 529,000 | 709,000 |
| Net interest income | 1,737,000 | 3,481,000 | 5,248,000 | 7,031,000 |
| Noninterest income | 135,000 | 300,000 | 431,000 | 582,000 |
| Noninterest expense | 1,232,000 | 2,560,000 | 3,878,000 | 5,305,000 |
| Provision for loan losses | 82,000 | 164,000 | 248,000 | 302,000 |
| Pretax income | 558,000 | 1,057,000 | 1,553,000 | 2,006,000 |
| Income tax | 194,000 | 351,000 | 531,000 | 619,000 |
| Net income | 364,000 | 706,000 | 1,022,000 | 1,387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,926,000 | 16,212,000 | 16,219,000 | 16,585,000 |
| Total capital | 17,415,000 | 17,611,000 | 17,686,000 | 18,062,000 |
| Risk-weighted assets | 139,345,000 | 138,822,000 | 141,782,000 | 146,183,000 |