Call reports 2016
CURRENCY BANK — 2016
What CURRENCY 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 | 58,243,000 | 56,968,000 | 60,564,000 | 61,714,000 |
| Total loans | 29,309,000 | 32,297,000 | 34,519,000 | 31,745,000 |
| Allowance for loan losses | 352,000 | 344,000 | 344,000 | 344,000 |
| Securities available for sale | 19,387,000 | 18,334,000 | 18,787,000 | 19,710,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,178,000 | 50,651,000 | 50,912,000 | 56,114,000 |
| Interest-bearing deposits | 38,082,000 | 37,893,000 | 37,902,000 | 41,257,000 |
| Noninterest-bearing deposits | 14,096,000 | 12,758,000 | 13,010,000 | 14,857,000 |
| Equity capital | 5,772,000 | 6,022,000 | 6,198,000 | 5,417,000 |
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 | 578,000 | 1,160,000 | 1,777,000 | 2,387,000 |
| Interest expense | 53,000 | 107,000 | 163,000 | 223,000 |
| Net interest income | 525,000 | 1,053,000 | 1,614,000 | 2,164,000 |
| Noninterest income | 83,000 | 156,000 | 237,000 | 311,000 |
| Noninterest expense | 396,000 | 793,000 | 1,202,000 | 1,666,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 229,000 | 437,000 | 683,000 | 843,000 |
| Income tax | 73,000 | 140,000 | 219,000 | 264,000 |
| Net income | 156,000 | 297,000 | 464,000 | 579,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,645,000 | 5,785,000 | 5,953,000 | 5,693,000 |
| Total capital | 5,997,000 | 6,129,000 | 6,297,000 | 6,037,000 |
| Risk-weighted assets | 43,628,000 | 43,064,000 | 46,855,000 | 46,286,000 |