Call reports 2016
FREEDOM BANK OF SOUTHERN MISSOURI — 2016
What FREEDOM BANK OF SOUTHERN MISSOURI 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 | 236,128,000 | 240,893,000 | 249,689,000 | 255,290,000 |
| Total loans | 195,277,000 | 202,457,000 | 207,314,000 | 209,692,000 |
| Allowance for loan losses | 2,436,000 | 2,465,000 | 2,513,000 | 2,525,000 |
| Securities available for sale | 25,246,000 | 25,777,000 | 24,927,000 | 22,250,000 |
| Securities held to maturity | 0 | 0 | 0 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,320,000 | 201,006,000 | 206,881,000 | 211,891,000 |
| Interest-bearing deposits | 189,364,000 | 182,022,000 | 188,529,000 | 194,412,000 |
| Noninterest-bearing deposits | 19,956,000 | 18,984,000 | 18,352,000 | 17,479,000 |
| Equity capital | 22,138,000 | 23,360,000 | 24,318,000 | 22,959,000 |
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 | 2,805,000 | 5,564,000 | 8,421,000 | 11,342,000 |
| Interest expense | 403,000 | 808,000 | 1,236,000 | 1,679,000 |
| Net interest income | 2,402,000 | 4,756,000 | 7,185,000 | 9,663,000 |
| Noninterest income | 210,000 | 447,000 | 684,000 | 894,000 |
| Noninterest expense | 1,519,000 | 3,100,000 | 4,719,000 | 6,350,000 |
| Provision for loan losses | 47,000 | 78,000 | 134,000 | 210,000 |
| Pretax income | 1,096,000 | 2,075,000 | 3,066,000 | 4,047,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,096,000 | 2,075,000 | 3,066,000 | 4,047,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,838,000 | 22,756,000 | 23,747,000 | 23,037,000 |
| Total capital | 23,883,000 | 24,915,000 | 25,951,000 | 25,290,000 |
| Risk-weighted assets | 166,184,000 | 172,464,000 | 176,012,000 | 180,001,000 |