Call reports 2016
BANK OF NEW CAMBRIA — 2016
What BANK OF NEW CAMBRIA 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 | 33,326,000 | 32,152,000 | 31,953,000 | 31,894,000 |
| Total loans | 14,865,000 | 15,638,000 | 15,484,000 | 14,839,000 |
| Allowance for loan losses | 235,000 | 242,000 | 259,000 | 255,000 |
| Securities available for sale | 10,237,000 | 9,915,000 | 9,851,000 | 9,446,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,357,000 | 28,030,000 | 27,809,000 | 28,003,000 |
| Interest-bearing deposits | 25,836,000 | 24,897,000 | 19,015,000 | 24,485,000 |
| Noninterest-bearing deposits | 3,521,000 | 3,133,000 | 8,794,000 | 3,518,000 |
| Equity capital | 3,801,000 | 3,893,000 | 3,917,000 | 3,832,000 |
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 | 279,000 | 564,000 | 855,000 | 1,135,000 |
| Interest expense | 22,000 | 41,000 | 62,000 | 82,000 |
| Net interest income | 257,000 | 523,000 | 793,000 | 1,053,000 |
| Noninterest income | 23,000 | 47,000 | 72,000 | 95,000 |
| Noninterest expense | 235,000 | 470,000 | 688,000 | 881,000 |
| Provision for loan losses | 0 | 5,000 | 22,000 | 22,000 |
| Pretax income | 45,000 | 95,000 | 155,000 | 245,000 |
| Income tax | 5,000 | 21,000 | 32,000 | 38,000 |
| Net income | 40,000 | 74,000 | 123,000 | 207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,688,000 | 3,722,000 | 3,770,000 | 3,818,000 |
| Total capital | 3,923,000 | 3,964,000 | 4,023,000 | 4,064,000 |
| Risk-weighted assets | 20,506,000 | 20,444,000 | 20,264,000 | 19,722,000 |