Call reports 2016
FIRST COMMONS BANK, N.A. — 2016
What FIRST COMMONS BANK, N.A. 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 | 333,627,000 | 339,335,000 | 347,372,000 | 343,844,000 |
| Total loans | 260,587,000 | 268,270,000 | 268,663,000 | 268,662,000 |
| Allowance for loan losses | 2,440,000 | 2,489,000 | 2,490,000 | 2,514,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 18,982,000 | 22,930,000 | 22,932,000 | 22,934,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 289,967,000 | 295,485,000 | 302,761,000 | 298,526,000 |
| Interest-bearing deposits | 268,848,000 | 271,510,000 | 278,146,000 | 273,993,000 |
| Noninterest-bearing deposits | 21,119,000 | 23,975,000 | 24,615,000 | 24,533,000 |
| Equity capital | 32,038,000 | 32,564,000 | 33,176,000 | 33,755,000 |
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 | 3,359,000 | 6,737,000 | 10,269,000 | 13,780,000 |
| Interest expense | 742,000 | 1,493,000 | 2,261,000 | 3,016,000 |
| Net interest income | 2,617,000 | 5,244,000 | 8,008,000 | 10,764,000 |
| Noninterest income | 117,000 | 210,000 | 337,000 | 433,000 |
| Noninterest expense | 1,895,000 | 3,693,000 | 5,546,000 | 7,402,000 |
| Provision for loan losses | 71,000 | 128,000 | 128,000 | 151,000 |
| Pretax income | 768,000 | 1,633,000 | 2,671,000 | 3,644,000 |
| Income tax | 313,000 | 652,000 | 1,078,000 | 1,472,000 |
| Net income | 455,000 | 981,000 | 1,593,000 | 2,172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,038,000 | 32,564,000 | 33,176,000 | 33,755,000 |
| Total capital | 34,478,000 | 35,053,000 | 35,666,000 | 36,269,000 |
| Risk-weighted assets | 229,796,000 | 238,057,000 | 237,667,000 | 244,495,000 |