Call reports 2016
FIRST NATIONAL BANK OF MANCHESTER — 2016
What FIRST NATIONAL BANK OF MANCHESTER 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 | 250,722,000 | 247,611,000 | 246,158,000 | 252,735,000 |
| Total loans | 155,859,000 | 163,683,000 | 165,498,000 | 167,215,000 |
| Allowance for loan losses | 2,025,000 | 2,010,000 | 1,990,000 | 2,018,000 |
| Securities available for sale | 28,777,000 | 30,732,000 | 26,367,000 | 30,890,000 |
| Securities held to maturity | 6,751,000 | 5,751,000 | 6,751,000 | 6,751,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,147,000 | 212,450,000 | 210,790,000 | 218,304,000 |
| Interest-bearing deposits | 169,112,000 | 163,060,000 | 160,913,000 | 166,385,000 |
| Noninterest-bearing deposits | 47,035,000 | 49,390,000 | 49,877,000 | 51,919,000 |
| Equity capital | 31,343,000 | 31,582,000 | 32,393,000 | 31,750,000 |
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 | 2,412,000 | 4,957,000 | 7,622,000 | 10,201,000 |
| Interest expense | 201,000 | 400,000 | 595,000 | 786,000 |
| Net interest income | 2,211,000 | 4,557,000 | 7,027,000 | 9,415,000 |
| Noninterest income | 475,000 | 1,007,000 | 1,482,000 | 1,967,000 |
| Noninterest expense | 1,463,000 | 2,956,000 | 4,526,000 | 6,252,000 |
| Provision for loan losses | 80,000 | 175,000 | 280,000 | 460,000 |
| Pretax income | 1,144,000 | 2,434,000 | 3,713,000 | 4,573,000 |
| Income tax | 376,000 | 803,000 | 1,235,000 | 1,456,000 |
| Net income | 768,000 | 1,631,000 | 2,478,000 | 3,117,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,229,000 | 31,472,000 | 32,286,000 | 32,341,000 |
| Total capital | 33,048,000 | 32,830,000 | 33,858,000 | 33,747,000 |
| Risk-weighted assets | 145,274,000 | 107,924,000 | 125,273,000 | 111,720,000 |
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