Call reports 2016
PREFERRED COMMUNITY BANK — 2016
What PREFERRED COMMUNITY BANK 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 | 110,273,000 | 111,139,000 | 107,065,000 | 113,514,000 |
| Total loans | 78,018,000 | 77,510,000 | 76,624,000 | 75,528,000 |
| Allowance for loan losses | 992,000 | 1,002,000 | 1,001,000 | 1,000,000 |
| Securities available for sale | 5,667,000 | 11,404,000 | 15,023,000 | 13,884,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,643,000 | 96,736,000 | 90,494,000 | 97,072,000 |
| Interest-bearing deposits | 75,220,000 | 74,586,000 | 68,597,000 | 74,646,000 |
| Noninterest-bearing deposits | 20,423,000 | 22,151,000 | 21,897,000 | 22,426,000 |
| Equity capital | 12,540,000 | 12,744,000 | 12,927,000 | 12,848,000 |
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 | 1,003,000 | 1,933,000 | 2,923,000 | 3,930,000 |
| Interest expense | 101,000 | 196,000 | 284,000 | 376,000 |
| Net interest income | 902,000 | 1,737,000 | 2,639,000 | 3,554,000 |
| Noninterest income | 1,183,000 | 1,448,000 | 1,641,000 | 1,807,000 |
| Noninterest expense | 804,000 | 1,667,000 | 2,489,000 | 3,324,000 |
| Provision for loan losses | 31,000 | 39,000 | 39,000 | 39,000 |
| Pretax income | 1,250,000 | 1,479,000 | 1,752,000 | 1,998,000 |
| Income tax | 470,000 | 560,000 | 666,000 | 765,000 |
| Net income | 780,000 | 919,000 | 1,086,000 | 1,233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,050,000 | 11,567,000 | 11,832,000 | 12,082,000 |
| Total capital | 11,951,000 | 12,428,000 | 12,650,000 | 12,927,000 |
| Risk-weighted assets | 71,270,000 | 68,313,000 | 64,862,000 | 67,054,000 |