Call reports 2016
COMMUNITY BANK, NORTH MISSISSIPPI — 2016
What COMMUNITY BANK, NORTH MISSISSIPPI 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 | 539,453,000 | 541,678,000 | 532,917,000 | 532,196,000 |
| Total loans | 311,902,000 | 320,290,000 | 328,119,000 | 342,939,000 |
| Allowance for loan losses | 3,183,000 | 3,352,000 | 3,546,000 | 3,566,000 |
| Securities available for sale | 108,178,000 | 129,802,000 | 126,924,000 | 123,678,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 478,849,000 | 480,356,000 | 470,856,000 | 476,453,000 |
| Interest-bearing deposits | 455,439,000 | 457,753,000 | 445,477,000 | 451,065,000 |
| Noninterest-bearing deposits | 23,410,000 | 22,603,000 | 25,379,000 | 25,388,000 |
| Equity capital | 51,977,000 | 52,200,000 | 52,514,000 | 51,437,000 |
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 | 4,245,000 | 8,621,000 | 13,158,000 | 17,756,000 |
| Interest expense | 580,000 | 1,168,000 | 1,742,000 | 2,280,000 |
| Net interest income | 3,665,000 | 7,453,000 | 11,416,000 | 15,476,000 |
| Noninterest income | 719,000 | 1,270,000 | 2,085,000 | 2,498,000 |
| Noninterest expense | 3,477,000 | 7,121,000 | 10,671,000 | 14,206,000 |
| Provision for loan losses | 265,000 | 441,000 | 666,000 | 666,000 |
| Pretax income | 709,000 | 1,480,000 | 2,483,000 | 3,421,000 |
| Income tax | 227,000 | 475,000 | 808,000 | 1,046,000 |
| Net income | 482,000 | 1,005,000 | 1,675,000 | 2,375,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,674,000 | 48,811,000 | 48,995,000 | 49,109,000 |
| Total capital | 51,857,000 | 52,163,000 | 52,541,000 | 52,675,000 |
| Risk-weighted assets | 300,402,000 | 304,828,000 | 312,034,000 | 319,930,000 |