Call reports 2016
FIRST CREDIT BANK — 2016
What FIRST CREDIT 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 | 417,670,000 | 482,206,000 | 515,608,000 | 494,690,000 |
| Total loans | 291,806,000 | 351,613,000 | 446,506,000 | 394,180,000 |
| Allowance for loan losses | 11,800,000 | 12,342,000 | 13,454,000 | 13,454,000 |
| Securities available for sale | 36,397,000 | 30,965,000 | 29,414,000 | 27,632,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,037,000 | 296,492,000 | 298,637,000 | 313,507,000 |
| Interest-bearing deposits | 200,810,000 | 271,493,000 | 271,761,000 | 283,739,000 |
| Noninterest-bearing deposits | 31,227,000 | 24,999,000 | 26,876,000 | 29,768,000 |
| Equity capital | 181,386,000 | 179,816,000 | 182,019,000 | 176,826,000 |
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 | 6,562,000 | 13,464,000 | 22,194,000 | 31,528,000 |
| Interest expense | 402,000 | 866,000 | 1,510,000 | 2,229,000 |
| Net interest income | 6,160,000 | 12,598,000 | 20,684,000 | 29,299,000 |
| Noninterest income | 67,000 | 100,000 | 112,000 | 159,000 |
| Noninterest expense | 631,000 | 1,628,000 | 2,591,000 | 2,880,000 |
| Provision for loan losses | 0 | 542,000 | 1,804,000 | 1,804,000 |
| Pretax income | 5,596,000 | 10,678,000 | 16,647,000 | 25,020,000 |
| Income tax | 196,000 | 570,000 | 774,000 | 803,000 |
| Net income | 5,400,000 | 10,108,000 | 15,873,000 | 24,217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 178,281,000 | 176,203,000 | 178,517,000 | 173,916,000 |
| Total capital | 182,561,000 | 181,187,000 | 185,221,000 | 179,671,000 |
| Risk-weighted assets | 332,904,000 | 389,269,000 | 528,305,000 | 451,894,000 |
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