Call reports 2016
FIRST COMMUNITY BANK OF CULLMAN — 2016
What FIRST COMMUNITY BANK OF CULLMAN 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 | 80,770,000 | 81,491,000 | 79,342,000 | 77,436,000 |
| Total loans | 48,679,000 | 49,279,000 | 48,791,000 | 49,758,000 |
| Allowance for loan losses | 324,000 | 344,000 | 358,000 | 376,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,405,000 | 8,710,000 | 9,006,000 | 8,755,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,535,000 | 68,990,000 | 66,811,000 | 64,968,000 |
| Interest-bearing deposits | 58,853,000 | 58,351,000 | 57,061,000 | 56,262,000 |
| Noninterest-bearing deposits | 9,682,000 | 10,639,000 | 9,750,000 | 8,706,000 |
| Equity capital | 8,450,000 | 8,542,000 | 8,640,000 | 8,740,000 |
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 | 613,000 | 1,237,000 | 1,854,000 | 2,479,000 |
| Interest expense | 61,000 | 123,000 | 185,000 | 245,000 |
| Net interest income | 552,000 | 1,114,000 | 1,669,000 | 2,234,000 |
| Noninterest income | 83,000 | 199,000 | 310,000 | 421,000 |
| Noninterest expense | 496,000 | 1,006,000 | 1,503,000 | 2,001,000 |
| Provision for loan losses | 3,000 | 27,000 | 48,000 | 71,000 |
| Pretax income | 136,000 | 280,000 | 428,000 | 583,000 |
| Income tax | 48,000 | 98,000 | 146,000 | 199,000 |
| Net income | 88,000 | 182,000 | 282,000 | 384,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,450,000 | 8,542,000 | 8,640,000 | 8,740,000 |
| Total capital | 8,774,000 | 8,886,000 | 8,998,000 | 9,116,000 |
| Risk-weighted assets | 43,699,000 | 44,540,000 | 45,838,000 | 46,487,000 |