Call reports 2016
BANK OF FINCASTLE, THE — 2016
What BANK OF FINCASTLE, 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 | 219,448,000 | 207,983,000 | 223,098,000 | 206,400,000 |
| Total loans | 148,620,000 | 142,658,000 | 134,478,000 | 125,103,000 |
| Allowance for loan losses | 3,336,000 | 3,867,000 | 3,328,000 | 3,420,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 43,611,000 | 37,854,000 | 47,208,000 | 51,202,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,287,000 | 186,520,000 | 203,042,000 | 190,358,000 |
| Interest-bearing deposits | 133,998,000 | 126,169,000 | 130,032,000 | 126,436,000 |
| Noninterest-bearing deposits | 63,289,000 | 60,351,000 | 73,010,000 | 63,922,000 |
| Equity capital | 21,231,000 | 20,504,000 | 19,091,000 | 15,156,000 |
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 | 1,764,000 | 3,454,000 | 5,121,000 | 6,787,000 |
| Interest expense | 187,000 | 358,000 | 523,000 | 705,000 |
| Net interest income | 1,577,000 | 3,096,000 | 4,598,000 | 6,082,000 |
| Noninterest income | 330,000 | 532,000 | 651,000 | -239,000 |
| Noninterest expense | 1,575,000 | 3,203,000 | 4,783,000 | 6,402,000 |
| Provision for loan losses | 1,565,000 | 2,775,000 | 4,974,000 | 8,091,000 |
| Pretax income | -1,233,000 | -2,350,000 | -4,508,000 | -8,650,000 |
| Income tax | -430,000 | -820,000 | -1,565,000 | -1,772,000 |
| Net income | -803,000 | -1,530,000 | -2,943,000 | -6,878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,869,000 | 19,958,000 | 17,101,000 | 12,520,000 |
| Total capital | 23,167,000 | 22,159,000 | 19,110,000 | 14,394,000 |
| Risk-weighted assets | 182,765,000 | 174,397,000 | 158,643,000 | 147,371,000 |