Call reports 2016
ATHENS FEDERAL COMMUNITY BANK NATIONAL ASSOCIATION — 2016
What ATHENS FEDERAL COMMUNITY BANK NATIONAL ASSOCIATION 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 | 326,804,000 | 412,584,000 | 426,045,000 | 439,639,000 |
| Total loans | 267,853,000 | 282,851,000 | 284,129,000 | 289,366,000 |
| Allowance for loan losses | 3,977,000 | 3,916,000 | 4,136,000 | 4,149,000 |
| Securities available for sale | 24,554,000 | 35,683,000 | 55,722,000 | 64,889,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 269,405,000 | 356,290,000 | 367,758,000 | 380,785,000 |
| Interest-bearing deposits | 239,998,000 | 313,412,000 | 321,043,000 | 333,681,000 |
| Noninterest-bearing deposits | 29,407,000 | 42,878,000 | 46,715,000 | 47,104,000 |
| Equity capital | 40,483,000 | 48,808,000 | 49,815,000 | 50,233,000 |
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 | 3,812,000 | 8,040,000 | 12,477,000 | 17,118,000 |
| Interest expense | 331,000 | 757,000 | 1,193,000 | 1,634,000 |
| Net interest income | 3,481,000 | 7,283,000 | 11,284,000 | 15,484,000 |
| Noninterest income | 1,183,000 | 2,610,000 | 4,016,000 | 5,503,000 |
| Noninterest expense | 3,407,000 | 7,439,000 | 11,072,000 | 15,491,000 |
| Provision for loan losses | 21,000 | 180,000 | 273,000 | 312,000 |
| Pretax income | 1,236,000 | 2,274,000 | 3,955,000 | 5,184,000 |
| Income tax | 424,000 | 771,000 | 1,373,000 | 1,785,000 |
| Net income | 812,000 | 1,503,000 | 2,582,000 | 3,399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,513,000 | 45,505,000 | 46,564,000 | 47,774,000 |
| Total capital | 42,536,000 | 48,815,000 | 49,945,000 | 51,249,000 |
| Risk-weighted assets | 240,903,000 | 264,200,000 | 269,722,000 | 277,311,000 |
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