Call reports 2016
LOUISA COMMUNITY BANK — 2016
What LOUISA 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 | 33,097,000 | 32,802,000 | 34,754,000 | 35,726,000 |
| Total loans | 28,869,000 | 28,309,000 | 29,713,000 | 31,100,000 |
| Allowance for loan losses | 542,000 | 503,000 | 578,000 | 552,000 |
| Securities available for sale | 529,000 | 533,000 | 504,000 | 456,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,627,000 | 25,720,000 | 27,986,000 | 27,446,000 |
| Interest-bearing deposits | 24,596,000 | 22,947,000 | 25,032,000 | 24,819,000 |
| Noninterest-bearing deposits | 3,031,000 | 2,773,000 | 2,954,000 | 2,627,000 |
| Equity capital | 5,154,000 | 5,085,000 | 4,799,000 | 4,616,000 |
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 | 388,000 | 781,000 | 1,189,000 | 1,610,000 |
| Interest expense | 58,000 | 126,000 | 206,000 | 287,000 |
| Net interest income | 330,000 | 655,000 | 983,000 | 1,323,000 |
| Noninterest income | 68,000 | 141,000 | 198,000 | 263,000 |
| Noninterest expense | 434,000 | 885,000 | 1,267,000 | 1,976,000 |
| Provision for loan losses | 30,000 | 40,000 | 115,000 | 115,000 |
| Pretax income | -66,000 | -106,000 | -178,000 | -482,000 |
| Income tax | 0 | 0 | 0 | -135,000 |
| Net income | -66,000 | -106,000 | -178,000 | -347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,030,000 | 4,941,000 | 4,648,000 | 4,343,000 |
| Total capital | 5,372,000 | 5,281,000 | 5,011,000 | 4,727,000 |
| Risk-weighted assets | 27,188,000 | 27,000,000 | 28,798,000 | 30,507,000 |