Call reports 2016
PHELPS COUNTY BANK — 2016
What PHELPS COUNTY BANK 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 | 359,640,000 | 356,082,000 | 367,399,000 | 378,848,000 |
| Total loans | 198,139,000 | 202,948,000 | 203,909,000 | 208,063,000 |
| Allowance for loan losses | 2,146,000 | 2,161,000 | 2,215,000 | 2,242,000 |
| Securities available for sale | 141,950,000 | 129,831,000 | 135,721,000 | 141,049,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 325,813,000 | 320,903,000 | 331,714,000 | 348,187,000 |
| Interest-bearing deposits | 275,334,000 | 272,027,000 | 279,228,000 | 297,271,000 |
| Noninterest-bearing deposits | 50,479,000 | 48,876,000 | 52,486,000 | 50,916,000 |
| Equity capital | 25,640,000 | 27,172,000 | 26,972,000 | 23,614,000 |
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 | 3,209,000 | 6,506,000 | 9,795,000 | 13,106,000 |
| Interest expense | 267,000 | 532,000 | 782,000 | 1,039,000 |
| Net interest income | 2,942,000 | 5,974,000 | 9,013,000 | 12,067,000 |
| Noninterest income | 838,000 | 1,685,000 | 2,562,000 | 3,454,000 |
| Noninterest expense | 2,514,000 | 5,052,000 | 7,587,000 | 10,449,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 390,000 |
| Pretax income | 1,185,000 | 2,496,000 | 3,827,000 | 4,791,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,185,000 | 2,496,000 | 3,827,000 | 4,791,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,974,000 | 25,186,000 | 25,416,000 | 26,380,000 |
| Total capital | 27,120,000 | 27,347,000 | 27,631,000 | 28,622,000 |
| Risk-weighted assets | 175,834,000 | 177,794,000 | 178,834,000 | 186,041,000 |