Call reports 2016
COMMUNITY BANK OF PICKENS COUNTY — 2016
What COMMUNITY BANK OF PICKENS COUNTY 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 | 331,994,000 | 333,016,000 | 329,182,000 | 325,522,000 |
| Total loans | 236,948,000 | 242,832,000 | 246,476,000 | 246,319,000 |
| Allowance for loan losses | 2,794,000 | 3,417,000 | 3,060,000 | 3,095,000 |
| Securities available for sale | 40,143,000 | 39,697,000 | 31,329,000 | 31,771,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 297,098,000 | 297,557,000 | 293,151,000 | 289,314,000 |
| Interest-bearing deposits | 266,081,000 | 265,408,000 | 260,900,000 | 258,146,000 |
| Noninterest-bearing deposits | 31,017,000 | 32,149,000 | 32,251,000 | 31,168,000 |
| Equity capital | 30,141,000 | 30,747,000 | 31,115,000 | 31,334,000 |
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 | 3,577,000 | 7,197,000 | 10,848,000 | 14,544,000 |
| Interest expense | 642,000 | 1,286,000 | 1,932,000 | 2,551,000 |
| Net interest income | 2,935,000 | 5,911,000 | 8,916,000 | 11,993,000 |
| Noninterest income | 303,000 | 1,057,000 | 1,184,000 | 2,027,000 |
| Noninterest expense | 2,208,000 | 4,321,000 | 6,536,000 | 8,992,000 |
| Provision for loan losses | 530,000 | 1,385,000 | 1,835,000 | 2,265,000 |
| Pretax income | 500,000 | 1,271,000 | 1,757,000 | 2,791,000 |
| Income tax | 141,000 | 381,000 | 457,000 | 824,000 |
| Net income | 359,000 | 890,000 | 1,300,000 | 1,967,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,332,000 | 30,044,000 | 30,217,000 | 30,874,000 |
| Total capital | 32,126,000 | 33,171,000 | 33,277,000 | 33,934,000 |
| Risk-weighted assets | 247,832,000 | 249,711,000 | 246,064,000 | 244,524,000 |