Call reports 2016
BANK FORWARD — 2016
What BANK FORWARD 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 | 530,659,000 | 515,343,000 | 526,403,000 | 544,849,000 |
| Total loans | 411,210,000 | 427,046,000 | 432,123,000 | 416,224,000 |
| Allowance for loan losses | 4,870,000 | 4,969,000 | 5,035,000 | 5,029,000 |
| Securities available for sale | 34,684,000 | 31,959,000 | 30,640,000 | 31,482,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 427,172,000 | 417,459,000 | 420,261,000 | 438,870,000 |
| Interest-bearing deposits | 323,635,000 | 320,711,000 | 315,403,000 | 328,746,000 |
| Noninterest-bearing deposits | 103,537,000 | 96,748,000 | 104,858,000 | 110,124,000 |
| Equity capital | 56,597,000 | 53,031,000 | 54,439,000 | 55,100,000 |
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 | 5,333,000 | 10,848,000 | 16,617,000 | 22,320,000 |
| Interest expense | 546,000 | 1,141,000 | 1,766,000 | 2,401,000 |
| Net interest income | 4,787,000 | 9,707,000 | 14,851,000 | 19,919,000 |
| Noninterest income | 3,482,000 | 6,389,000 | 9,701,000 | 12,889,000 |
| Noninterest expense | 6,233,000 | 12,342,000 | 18,351,000 | 24,723,000 |
| Provision for loan losses | 91,000 | 182,000 | 274,000 | 274,000 |
| Pretax income | 1,945,000 | 3,572,000 | 5,927,000 | 7,811,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 1,943,000 | 3,570,000 | 5,925,000 | 7,809,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,760,000 | 45,965,000 | 47,545,000 | 49,292,000 |
| Total capital | 54,645,000 | 50,948,000 | 52,597,000 | 54,346,000 |
| Risk-weighted assets | 428,270,000 | 434,515,000 | 437,770,000 | 424,092,000 |