Call reports 2016
FIRST NATIONAL BANK OF ELMER — 2016
What FIRST NATIONAL BANK OF ELMER 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 | 229,256,000 | 239,734,000 | 239,584,000 | 245,785,000 |
| Total loans | 203,168,000 | 197,534,000 | 199,833,000 | 205,513,000 |
| Allowance for loan losses | 2,151,000 | 2,213,000 | 2,378,000 | 2,422,000 |
| Securities available for sale | 10,143,000 | 9,844,000 | 18,771,000 | 17,725,000 |
| Securities held to maturity | 1,263,000 | 4,157,000 | 3,352,000 | 3,506,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,351,000 | 214,723,000 | 214,453,000 | 220,980,000 |
| Interest-bearing deposits | 190,399,000 | 199,702,000 | 199,834,000 | 202,834,000 |
| Noninterest-bearing deposits | 13,952,000 | 15,021,000 | 14,619,000 | 18,146,000 |
| Equity capital | 22,998,000 | 23,462,000 | 23,245,000 | 23,157,000 |
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 | 2,583,000 | 5,201,000 | 7,725,000 | 10,262,000 |
| Interest expense | 174,000 | 340,000 | 506,000 | 663,000 |
| Net interest income | 2,409,000 | 4,861,000 | 7,219,000 | 9,599,000 |
| Noninterest income | 165,000 | 351,000 | 537,000 | 735,000 |
| Noninterest expense | 1,911,000 | 3,990,000 | 5,995,000 | 8,054,000 |
| Provision for loan losses | 251,000 | 341,000 | 432,000 | 522,000 |
| Pretax income | 412,000 | 881,000 | 1,329,000 | 1,758,000 |
| Income tax | 199,000 | 268,000 | 539,000 | 730,000 |
| Net income | 213,000 | 613,000 | 790,000 | 1,028,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,153,000 | 23,548,000 | 23,376,000 | 23,614,000 |
| Total capital | 25,344,000 | 25,801,000 | 25,718,000 | 26,009,000 |
| Risk-weighted assets | 191,410,000 | 185,041,000 | 187,315,000 | 191,475,000 |