Call reports 2016
FIRST CAHAWBA BANK — 2016
What FIRST CAHAWBA 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 | 94,669,000 | 96,874,000 | 99,951,000 | 103,987,000 |
| Total loans | 67,207,000 | 67,543,000 | 66,094,000 | 65,716,000 |
| Allowance for loan losses | 547,000 | 464,000 | 460,000 | 558,000 |
| Securities available for sale | 13,455,000 | 13,499,000 | 13,498,000 | 12,300,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,578,000 | 75,744,000 | 78,549,000 | 82,831,000 |
| Interest-bearing deposits | 60,717,000 | 59,900,000 | 59,510,000 | 63,708,000 |
| Noninterest-bearing deposits | 15,862,000 | 15,844,000 | 19,039,000 | 19,123,000 |
| Equity capital | 12,906,000 | 13,042,000 | 13,289,000 | 12,982,000 |
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 | 948,000 | 1,901,000 | 2,841,000 | 3,775,000 |
| Interest expense | 58,000 | 104,000 | 165,000 | 222,000 |
| Net interest income | 890,000 | 1,797,000 | 2,676,000 | 3,553,000 |
| Noninterest income | 124,000 | 233,000 | 361,000 | 483,000 |
| Noninterest expense | 713,000 | 1,455,000 | 2,155,000 | 2,870,000 |
| Provision for loan losses | 0 | 140,000 | 140,000 | 289,000 |
| Pretax income | 301,000 | 435,000 | 743,000 | 878,000 |
| Income tax | 106,000 | 161,000 | 246,000 | 297,000 |
| Net income | 195,000 | 274,000 | 497,000 | 581,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,868,000 | 12,945,000 | 13,170,000 | 13,133,000 |
| Total capital | 13,415,000 | 13,409,000 | 13,630,000 | 13,691,000 |
| Risk-weighted assets | 67,961,000 | 68,843,000 | 67,390,000 | 66,549,000 |