Call reports 2016
BENCHMARK COMMUNITY BANK — 2016
What BENCHMARK 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 | 535,440,000 | 533,173,000 | 542,712,000 | 568,492,000 |
| Total loans | 427,689,000 | 430,955,000 | 438,463,000 | 448,357,000 |
| Allowance for loan losses | 4,699,000 | 4,682,000 | 4,607,000 | 4,679,000 |
| Securities available for sale | 29,961,000 | 33,062,000 | 35,007,000 | 33,326,000 |
| Securities held to maturity | 2,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 469,808,000 | 467,519,000 | 475,173,000 | 502,092,000 |
| Interest-bearing deposits | 371,776,000 | 371,702,000 | 368,369,000 | 390,725,000 |
| Noninterest-bearing deposits | 98,033,000 | 95,817,000 | 106,805,000 | 111,367,000 |
| Equity capital | 61,493,000 | 62,289,000 | 63,941,000 | 63,559,000 |
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 | 6,021,000 | 12,048,000 | 18,148,000 | 24,367,000 |
| Interest expense | 554,000 | 1,096,000 | 1,625,000 | 2,129,000 |
| Net interest income | 5,467,000 | 10,952,000 | 16,523,000 | 22,238,000 |
| Noninterest income | 1,219,000 | 2,628,000 | 4,147,000 | 5,517,000 |
| Noninterest expense | 4,542,000 | 9,035,000 | 13,598,000 | 18,325,000 |
| Provision for loan losses | 0 | 0 | 0 | 130,000 |
| Pretax income | 2,330,000 | 4,731,000 | 7,258,000 | 9,512,000 |
| Income tax | 706,000 | 1,436,000 | 2,212,000 | 2,919,000 |
| Net income | 1,624,000 | 3,295,000 | 5,046,000 | 6,593,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,859,000 | 61,495,000 | 63,247,000 | 63,694,000 |
| Total capital | 65,386,000 | 66,050,000 | 67,854,000 | 68,373,000 |
| Risk-weighted assets | 361,977,000 | 364,332,000 | 371,886,000 | 383,997,000 |