Call reports 2016
FIRST BANK OF BANCROFT — 2016
What FIRST BANK OF BANCROFT 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 | 22,165,000 | 22,127,000 | 22,041,000 | 22,589,000 |
| Total loans | 12,121,000 | 11,875,000 | 10,983,000 | 12,230,000 |
| Allowance for loan losses | 131,000 | 138,000 | 140,000 | 144,000 |
| Securities available for sale | 4,016,000 | 4,291,000 | 4,390,000 | 4,421,000 |
| Securities held to maturity | 400,000 | 400,000 | 400,000 | 401,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,563,000 | 18,449,000 | 18,304,000 | 17,908,000 |
| Interest-bearing deposits | 14,696,000 | 14,470,000 | 13,951,000 | 13,694,000 |
| Noninterest-bearing deposits | 3,867,000 | 3,979,000 | 4,353,000 | 4,214,000 |
| Equity capital | 3,426,000 | 3,484,000 | 3,530,000 | 3,383,000 |
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 | 199,000 | 404,000 | 613,000 | 809,000 |
| Interest expense | 11,000 | 23,000 | 35,000 | 48,000 |
| Net interest income | 188,000 | 381,000 | 578,000 | 761,000 |
| Noninterest income | 10,000 | 22,000 | 35,000 | 46,000 |
| Noninterest expense | 116,000 | 241,000 | 359,000 | 535,000 |
| Provision for loan losses | 0 | 6,000 | 9,000 | 12,000 |
| Pretax income | 82,000 | 156,000 | 245,000 | 260,000 |
| Income tax | 21,000 | 45,000 | 72,000 | 69,000 |
| Net income | 61,000 | 111,000 | 173,000 | 191,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,387,000 | 3,438,000 | 3,500,000 | 3,418,000 |
| Total capital | 3,518,000 | 3,576,000 | 3,640,000 | 3,562,000 |
| Risk-weighted assets | 14,469,000 | 14,509,000 | 13,842,000 | 14,887,000 |