Call reports 2016
FIRST SOUND BANK — 2016
What FIRST SOUND 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 | 126,508,000 | 132,986,000 | 131,037,000 | 135,623,000 |
| Total loans | 107,157,000 | 108,960,000 | 110,088,000 | 118,770,000 |
| Allowance for loan losses | 1,079,000 | 1,238,000 | 1,149,000 | 1,278,000 |
| Securities available for sale | 657,000 | 865,000 | 825,000 | 1,039,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,976,000 | 120,460,000 | 118,545,000 | 111,649,000 |
| Interest-bearing deposits | 80,272,000 | 85,226,000 | 84,990,000 | 79,250,000 |
| Noninterest-bearing deposits | 33,704,000 | 35,234,000 | 33,555,000 | 32,399,000 |
| Equity capital | 11,739,000 | 11,830,000 | 11,724,000 | 11,811,000 |
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 | 1,277,000 | 2,515,000 | 3,752,000 | 5,032,000 |
| Interest expense | 128,000 | 269,000 | 414,000 | 561,000 |
| Net interest income | 1,149,000 | 2,246,000 | 3,338,000 | 4,471,000 |
| Noninterest income | 98,000 | 269,000 | 358,000 | 539,000 |
| Noninterest expense | 1,300,000 | 2,495,000 | 3,731,000 | 4,864,000 |
| Provision for loan losses | -160,000 | -160,000 | -100,000 | 15,000 |
| Pretax income | 107,000 | 180,000 | 65,000 | 131,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 107,000 | 180,000 | 65,000 | 131,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,681,000 | 11,769,000 | 11,666,000 | 11,756,000 |
| Total capital | 12,779,000 | 13,027,000 | 12,835,000 | 13,054,000 |
| Risk-weighted assets | 108,503,000 | 110,167,000 | 111,486,000 | 117,562,000 |