Call reports 2016
NECEDAH BANK, THE — 2016
What NECEDAH BANK, 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 | 35,055,000 | 34,304,000 | 35,675,000 | 33,592,000 |
| Total loans | 23,151,000 | 25,474,000 | 26,130,000 | 26,297,000 |
| Allowance for loan losses | 241,000 | 241,000 | 241,000 | 241,000 |
| Securities available for sale | 5,194,000 | 4,435,000 | 4,422,000 | 4,127,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,681,000 | 27,811,000 | 29,165,000 | 27,293,000 |
| Interest-bearing deposits | 22,548,000 | 21,581,000 | 22,636,000 | 21,002,000 |
| Noninterest-bearing deposits | 6,133,000 | 6,230,000 | 6,529,000 | 6,291,000 |
| Equity capital | 4,120,000 | 4,183,000 | 4,231,000 | 4,033,000 |
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 | 286,000 | 588,000 | 906,000 | 1,220,000 |
| Interest expense | 37,000 | 78,000 | 119,000 | 161,000 |
| Net interest income | 249,000 | 510,000 | 787,000 | 1,059,000 |
| Noninterest income | 27,000 | 60,000 | 90,000 | 119,000 |
| Noninterest expense | 213,000 | 436,000 | 668,000 | 887,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 63,000 | 134,000 | 209,000 | 291,000 |
| Income tax | 16,000 | 35,000 | 55,000 | 78,000 |
| Net income | 47,000 | 99,000 | 154,000 | 213,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,067,000 | 4,120,000 | 4,174,000 | 4,033,000 |
| Total capital | 4,308,000 | 4,361,000 | 4,415,000 | 4,274,000 |
| Risk-weighted assets | 29,442,000 | 29,305,000 | 30,859,000 | 30,909,000 |