Call reports 2016
R BANK — 2016
What R 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 | 392,730,000 | 401,998,000 | 410,657,000 | 409,663,000 |
| Total loans | 262,862,000 | 278,748,000 | 283,736,000 | 298,227,000 |
| Allowance for loan losses | 2,772,000 | 2,879,000 | 3,002,000 | 3,186,000 |
| Securities available for sale | 84,672,000 | 76,442,000 | 74,290,000 | 75,434,000 |
| Securities held to maturity | 3,519,000 | 3,507,000 | 3,206,000 | 3,186,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 341,487,000 | 355,576,000 | 360,705,000 | 351,659,000 |
| Interest-bearing deposits | 279,067,000 | 286,256,000 | 284,975,000 | 280,091,000 |
| Noninterest-bearing deposits | 62,420,000 | 69,320,000 | 75,730,000 | 71,569,000 |
| Equity capital | 41,935,000 | 40,935,000 | 41,412,000 | 40,179,000 |
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 | 3,820,000 | 7,795,000 | 11,892,000 | 16,177,000 |
| Interest expense | 588,000 | 1,220,000 | 1,862,000 | 2,468,000 |
| Net interest income | 3,232,000 | 6,575,000 | 10,030,000 | 13,709,000 |
| Noninterest income | 326,000 | 631,000 | 1,017,000 | 1,539,000 |
| Noninterest expense | 2,937,000 | 6,058,000 | 9,277,000 | 12,632,000 |
| Provision for loan losses | 124,000 | 244,000 | 395,000 | 575,000 |
| Pretax income | 551,000 | 984,000 | 1,544,000 | 2,210,000 |
| Income tax | 97,000 | 152,000 | 241,000 | 389,000 |
| Net income | 454,000 | 832,000 | 1,303,000 | 1,821,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,002,000 | 34,886,000 | 35,450,000 | 35,748,000 |
| Total capital | 38,774,000 | 37,765,000 | 38,452,000 | 38,934,000 |
| Risk-weighted assets | 290,586,000 | 305,650,000 | 309,100,000 | 316,907,000 |