Call reports 2016
CALHOUN COUNTY BANK, INC. — 2016
What CALHOUN COUNTY BANK, INC. 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 | 133,167,000 | 132,318,000 | 131,426,000 | 128,306,000 |
| Total loans | 97,597,000 | 99,481,000 | 99,767,000 | 98,322,000 |
| Allowance for loan losses | 1,233,000 | 1,259,000 | 1,349,000 | 1,288,000 |
| Securities available for sale | 18,983,000 | 13,381,000 | 12,588,000 | 13,836,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,449,000 | 111,587,000 | 112,576,000 | 109,991,000 |
| Interest-bearing deposits | 80,599,000 | 80,863,000 | 80,283,000 | 78,280,000 |
| Noninterest-bearing deposits | 35,850,000 | 30,724,000 | 32,293,000 | 31,711,000 |
| Equity capital | 12,847,000 | 12,884,000 | 13,078,000 | 13,054,000 |
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 | 1,481,000 | 2,967,000 | 4,460,000 | 5,926,000 |
| Interest expense | 135,000 | 267,000 | 398,000 | 518,000 |
| Net interest income | 1,346,000 | 2,700,000 | 4,062,000 | 5,408,000 |
| Noninterest income | 250,000 | 484,000 | 757,000 | 980,000 |
| Noninterest expense | 1,093,000 | 2,274,000 | 3,579,000 | 4,740,000 |
| Provision for loan losses | 65,000 | 155,000 | 195,000 | 225,000 |
| Pretax income | 438,000 | 755,000 | 1,045,000 | 1,423,000 |
| Income tax | 146,000 | 251,000 | 347,000 | 438,000 |
| Net income | 292,000 | 504,000 | 698,000 | 985,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,458,000 | 13,458,000 | 13,651,000 | 13,758,000 |
| Total capital | 14,439,000 | 14,464,000 | 14,643,000 | 14,735,000 |
| Risk-weighted assets | 78,230,000 | 80,266,000 | 79,023,000 | 77,862,000 |