Call reports 2015
TOUCHSTONE BANK — 2015
What TOUCHSTONE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 219,792,000 | 217,124,000 | 216,843,000 | 218,306,000 |
| Total loans | 166,446,000 | 166,725,000 | 166,777,000 | 157,875,000 |
| Allowance for loan losses | 2,303,000 | 2,602,000 | 2,602,000 | 2,602,000 |
| Securities available for sale | 26,130,000 | 19,820,000 | 21,111,000 | 23,369,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,962,000 | 189,631,000 | 188,961,000 | 190,668,000 |
| Interest-bearing deposits | 148,723,000 | 146,253,000 | 144,697,000 | 144,892,000 |
| Noninterest-bearing deposits | 43,239,000 | 43,378,000 | 44,264,000 | 45,776,000 |
| Equity capital | 24,111,000 | 24,426,000 | 24,891,000 | 24,837,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,460,000 | 5,032,000 | 7,530,000 | 9,972,000 |
| Interest expense | 229,000 | 450,000 | 667,000 | 882,000 |
| Net interest income | 2,231,000 | 4,582,000 | 6,863,000 | 9,090,000 |
| Noninterest income | 423,000 | 837,000 | 1,298,000 | 1,869,000 |
| Noninterest expense | 2,094,000 | 4,023,000 | 6,129,000 | 8,177,000 |
| Provision for loan losses | 0 | 300,000 | 300,000 | 300,000 |
| Pretax income | 560,000 | 1,096,000 | 1,732,000 | 2,482,000 |
| Income tax | 175,000 | 335,000 | 530,000 | 763,000 |
| Net income | 385,000 | 761,000 | 1,202,000 | 1,719,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,922,000 | 24,299,000 | 24,740,000 | 24,688,000 |
| Total capital | 26,179,000 | 26,547,000 | 26,967,000 | 26,836,000 |
| Risk-weighted assets | 180,554,000 | 179,505,000 | 177,814,000 | 171,406,000 |