Call reports 2016
BANK OF CHARLOTTE COUNTY, THE — 2016
What BANK OF CHARLOTTE COUNTY, THE 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 | 131,879,000 | 132,501,000 | 131,459,000 | 135,549,000 |
| Total loans | 98,429,000 | 96,929,000 | 97,987,000 | 99,406,000 |
| Allowance for loan losses | 1,265,000 | 1,282,000 | 1,333,000 | 1,251,000 |
| Securities available for sale | 21,492,000 | 21,260,000 | 20,985,000 | 20,451,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,795,000 | 108,369,000 | 106,810,000 | 111,581,000 |
| Interest-bearing deposits | 78,927,000 | 80,427,000 | 77,799,000 | 81,602,000 |
| Noninterest-bearing deposits | 28,868,000 | 27,942,000 | 29,011,000 | 29,979,000 |
| Equity capital | 18,728,000 | 19,018,000 | 19,401,000 | 18,776,000 |
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 | 1,557,000 | 3,129,000 | 4,692,000 | 6,281,000 |
| Interest expense | 206,000 | 410,000 | 611,000 | 814,000 |
| Net interest income | 1,351,000 | 2,719,000 | 4,081,000 | 5,467,000 |
| Noninterest income | 138,000 | 248,000 | 368,000 | 547,000 |
| Noninterest expense | 918,000 | 1,939,000 | 2,876,000 | 3,883,000 |
| Provision for loan losses | 60,000 | 60,000 | 60,000 | 0 |
| Pretax income | 511,000 | 969,000 | 1,514,000 | 2,132,000 |
| Income tax | 130,000 | 330,000 | 455,000 | 615,000 |
| Net income | 381,000 | 639,000 | 1,059,000 | 1,517,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,264,000 | 18,522,000 | 18,942,000 | 18,650,000 |
| Total capital | 19,467,000 | 19,705,000 | 20,121,000 | 19,846,000 |
| Risk-weighted assets | 96,217,000 | 94,603,000 | 94,207,000 | 95,702,000 |