Call reports 2016
HICKORY POINT BANK AND TRUST — 2016
What HICKORY POINT BANK AND TRUST 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 | 648,978,000 | 645,333,000 | 640,700,000 | 652,269,000 |
| Total loans | 427,888,000 | 447,682,000 | 454,827,000 | 452,425,000 |
| Allowance for loan losses | 4,221,000 | 4,344,000 | 4,568,000 | 4,386,000 |
| Securities available for sale | 88,491,000 | 88,623,000 | 89,019,000 | 79,238,000 |
| Securities held to maturity | 65,685,000 | 55,275,000 | 45,209,000 | 43,484,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 581,559,000 | 576,125,000 | 569,755,000 | 581,384,000 |
| Interest-bearing deposits | 484,375,000 | 470,114,000 | 478,378,000 | 486,936,000 |
| Noninterest-bearing deposits | 97,184,000 | 106,011,000 | 91,377,000 | 94,448,000 |
| Equity capital | 58,290,000 | 59,219,000 | 59,462,000 | 60,060,000 |
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 | 4,838,000 | 9,565,000 | 14,310,000 | 19,153,000 |
| Interest expense | 363,000 | 724,000 | 1,098,000 | 1,501,000 |
| Net interest income | 4,475,000 | 8,841,000 | 13,212,000 | 17,652,000 |
| Noninterest income | 1,807,000 | 4,192,000 | 6,134,000 | 7,883,000 |
| Noninterest expense | 5,066,000 | 10,535,000 | 15,541,000 | 20,408,000 |
| Provision for loan losses | 126,000 | 319,000 | 602,000 | 868,000 |
| Pretax income | 1,099,000 | 2,219,000 | 3,246,000 | 4,302,000 |
| Income tax | 300,000 | 626,000 | 925,000 | 552,000 |
| Net income | 799,000 | 1,593,000 | 2,321,000 | 3,750,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,585,000 | 58,260,000 | 58,814,000 | 60,003,000 |
| Total capital | 61,806,000 | 62,604,000 | 63,382,000 | 64,389,000 |
| Risk-weighted assets | 500,946,000 | 511,401,000 | 521,218,000 | 524,448,000 |