Call reports 2016
DRUMMOND COMMUNITY BANK — 2016
What DRUMMOND 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 | 415,905,000 | 423,704,000 | 443,538,000 | 435,452,000 |
| Total loans | 190,928,000 | 209,872,000 | 221,547,000 | 223,904,000 |
| Allowance for loan losses | 6,013,000 | 6,091,000 | 6,094,000 | 6,257,000 |
| Securities available for sale | 137,356,000 | 151,360,000 | 162,646,000 | 165,192,000 |
| Securities held to maturity | 43,779,000 | 27,690,000 | 21,869,000 | 3,523,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 348,453,000 | 351,803,000 | 354,097,000 | 379,940,000 |
| Interest-bearing deposits | 213,736,000 | 212,043,000 | 208,146,000 | 221,995,000 |
| Noninterest-bearing deposits | 134,717,000 | 139,760,000 | 145,951,000 | 157,945,000 |
| Equity capital | 56,913,000 | 59,810,000 | 61,077,000 | 51,079,000 |
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 | 4,300,000 | 8,761,000 | 13,498,000 | 18,196,000 |
| Interest expense | 132,000 | 256,000 | 383,000 | 511,000 |
| Net interest income | 4,168,000 | 8,505,000 | 13,115,000 | 17,685,000 |
| Noninterest income | 1,062,000 | 2,111,000 | 3,370,000 | 4,549,000 |
| Noninterest expense | 3,835,000 | 7,754,000 | 11,947,000 | 16,016,000 |
| Provision for loan losses | 224,000 | 449,000 | 676,000 | 902,000 |
| Pretax income | 1,174,000 | 2,416,000 | 3,858,000 | 5,604,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,174,000 | 2,416,000 | 3,858,000 | 5,604,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,339,000 | 54,991,000 | 56,192,000 | 54,996,000 |
| Total capital | 57,238,000 | 58,099,000 | 59,431,000 | 58,225,000 |
| Risk-weighted assets | 228,827,000 | 245,682,000 | 256,269,000 | 255,330,000 |