Call reports 2016
COMMUNITY NEIGHBOR BANK — 2016
What COMMUNITY NEIGHBOR 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 | 107,917,000 | 106,921,000 | 107,601,000 | 106,126,000 |
| Total loans | 65,219,000 | 65,938,000 | 65,264,000 | 62,727,000 |
| Allowance for loan losses | 1,128,000 | 1,143,000 | 1,141,000 | 1,145,000 |
| Securities available for sale | 10,809,000 | 11,151,000 | 11,395,000 | 11,791,000 |
| Securities held to maturity | 4,968,000 | 4,970,000 | 4,972,000 | 4,974,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,506,000 | 91,240,000 | 91,641,000 | 91,058,000 |
| Interest-bearing deposits | 65,699,000 | 66,675,000 | 65,404,000 | 50,397,000 |
| Noninterest-bearing deposits | 26,807,000 | 24,565,000 | 26,237,000 | 40,661,000 |
| Equity capital | 15,168,000 | 15,503,000 | 15,717,000 | 14,898,000 |
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 | 1,121,000 | 2,265,000 | 3,419,000 | 4,541,000 |
| Interest expense | 63,000 | 127,000 | 192,000 | 259,000 |
| Net interest income | 1,058,000 | 2,138,000 | 3,227,000 | 4,282,000 |
| Noninterest income | 246,000 | 501,000 | 764,000 | 992,000 |
| Noninterest expense | 915,000 | 1,777,000 | 2,769,000 | 3,626,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 80,000 |
| Pretax income | 339,000 | 812,000 | 1,172,000 | 1,568,000 |
| Income tax | 115,000 | 277,000 | 405,000 | 533,000 |
| Net income | 224,000 | 535,000 | 767,000 | 1,035,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,148,000 | 15,459,000 | 15,691,000 | 14,959,000 |
| Total capital | 16,017,000 | 16,352,000 | 16,577,000 | 15,817,000 |
| Risk-weighted assets | 69,281,000 | 71,226,000 | 70,702,000 | 68,377,000 |