Call reports 2016
FBT BANK & MORTGAGE — 2016
What FBT BANK & MORTGAGE 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 | 150,565,000 | 151,222,000 | 155,073,000 | 150,968,000 |
| Total loans | 82,936,000 | 84,674,000 | 84,852,000 | 82,698,000 |
| Allowance for loan losses | 971,000 | 856,000 | 801,000 | 982,000 |
| Securities available for sale | 37,616,000 | 36,914,000 | 42,398,000 | 43,606,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,610,000 | 119,564,000 | 118,064,000 | 117,224,000 |
| Interest-bearing deposits | 88,011,000 | 89,460,000 | 87,130,000 | 87,268,000 |
| Noninterest-bearing deposits | 31,599,000 | 30,104,000 | 30,934,000 | 29,956,000 |
| Equity capital | 16,003,000 | 16,663,000 | 17,106,000 | 14,217,000 |
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 | 1,579,000 | 3,190,000 | 4,807,000 | 6,441,000 |
| Interest expense | 157,000 | 319,000 | 486,000 | 672,000 |
| Net interest income | 1,422,000 | 2,871,000 | 4,321,000 | 5,769,000 |
| Noninterest income | 611,000 | 951,000 | 1,304,000 | 1,760,000 |
| Noninterest expense | 1,352,000 | 2,755,000 | 4,203,000 | 5,993,000 |
| Provision for loan losses | 0 | 0 | 0 | 200,000 |
| Pretax income | 684,000 | 1,075,000 | 1,431,000 | 1,341,000 |
| Income tax | 22,000 | 22,000 | 22,000 | 22,000 |
| Net income | 662,000 | 1,053,000 | 1,409,000 | 1,319,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,228,000 | 16,620,000 | 16,975,000 | 16,886,000 |
| Total capital | 17,199,000 | 17,476,000 | 17,776,000 | 17,868,000 |
| Risk-weighted assets | 86,287,000 | 88,153,000 | 91,429,000 | 89,479,000 |