Call reports 2016
FOUNDERS COMMUNITY BANK — 2016
What FOUNDERS COMMUNITY 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 | 185,107,000 | 187,499,000 | 198,508,000 | 196,903,000 |
| Total loans | 96,791,000 | 104,947,000 | 106,614,000 | 104,525,000 |
| Allowance for loan losses | 1,477,000 | 1,527,000 | 1,527,000 | 1,532,000 |
| Securities available for sale | 2,318,000 | 1,740,000 | 1,154,000 | 1,051,000 |
| Securities held to maturity | 1,500,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,657,000 | 169,824,000 | 180,468,000 | 178,631,000 |
| Interest-bearing deposits | 93,934,000 | 96,113,000 | 103,236,000 | 104,064,000 |
| Noninterest-bearing deposits | 73,723,000 | 73,711,000 | 77,232,000 | 74,567,000 |
| Equity capital | 17,346,000 | 17,480,000 | 17,822,000 | 18,169,000 |
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 | 1,772,000 | 3,578,000 | 5,457,000 | 7,304,000 |
| Interest expense | 66,000 | 127,000 | 189,000 | 253,000 |
| Net interest income | 1,706,000 | 3,451,000 | 5,268,000 | 7,051,000 |
| Noninterest income | 109,000 | 214,000 | 325,000 | 432,000 |
| Noninterest expense | 1,321,000 | 2,761,000 | 4,121,000 | 5,447,000 |
| Provision for loan losses | 1,000 | 32,000 | 37,000 | 41,000 |
| Pretax income | 493,000 | 872,000 | 1,435,000 | 1,995,000 |
| Income tax | 188,000 | 334,000 | 552,000 | 765,000 |
| Net income | 305,000 | 538,000 | 883,000 | 1,230,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,342,000 | 17,475,000 | 17,814,000 | 18,183,000 |
| Total capital | 18,775,000 | 18,974,000 | 19,329,000 | 19,637,000 |
| Risk-weighted assets | 114,499,000 | 119,899,000 | 121,197,000 | 116,245,000 |