Call reports 2016
BRADFORD NATIONAL BANK OF GREENVILLE, THE — 2016
What BRADFORD NATIONAL BANK OF GREENVILLE, 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 | 275,361,000 | 276,841,000 | 278,878,000 | 272,305,000 |
| Total loans | 143,543,000 | 138,147,000 | 144,987,000 | 141,502,000 |
| Allowance for loan losses | 2,100,000 | 2,170,000 | 2,229,000 | 2,222,000 |
| Securities available for sale | 111,980,000 | 116,871,000 | 118,109,000 | 108,969,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,539,000 | 226,507,000 | 220,687,000 | 229,828,000 |
| Interest-bearing deposits | 181,443,000 | 182,745,000 | 178,051,000 | 181,978,000 |
| Noninterest-bearing deposits | 45,096,000 | 43,762,000 | 42,636,000 | 47,850,000 |
| Equity capital | 32,320,000 | 35,687,000 | 35,432,000 | 30,535,000 |
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 | 2,355,000 | 4,686,000 | 7,060,000 | 9,437,000 |
| Interest expense | 226,000 | 448,000 | 668,000 | 898,000 |
| Net interest income | 2,129,000 | 4,238,000 | 6,392,000 | 8,539,000 |
| Noninterest income | 278,000 | 575,000 | 867,000 | 1,163,000 |
| Noninterest expense | 1,500,000 | 3,065,000 | 4,665,000 | 6,038,000 |
| Provision for loan losses | 100,000 | 175,000 | 250,000 | 510,000 |
| Pretax income | 840,000 | 1,820,000 | 2,835,000 | 3,892,000 |
| Income tax | 7,000 | 18,000 | 33,000 | 51,000 |
| Net income | 833,000 | 1,802,000 | 2,802,000 | 3,841,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,499,000 | 27,921,000 | 28,677,000 | 28,892,000 |
| Total capital | 29,552,000 | 29,975,000 | 30,779,000 | 30,956,000 |
| Risk-weighted assets | 164,140,000 | 164,149,000 | 167,977,000 | 164,909,000 |