Call reports 2015
BLACK HILLS COMMUNITY BANK, NATIONAL ASSOCIATION — 2015
What BLACK HILLS COMMUNITY BANK, NATIONAL ASSOCIATION 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 | 159,760,000 | 166,650,000 | 171,392,000 | 184,280,000 |
| Total loans | 126,495,000 | 134,954,000 | 141,177,000 | 154,900,000 |
| Allowance for loan losses | 1,894,000 | 1,963,000 | 2,030,000 | 2,099,000 |
| Securities available for sale | 6,191,000 | 5,800,000 | 5,536,000 | 5,226,000 |
| Securities held to maturity | 3,594,000 | 3,590,000 | 3,985,000 | 3,981,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,690,000 | 140,332,000 | 146,579,000 | 160,123,000 |
| Interest-bearing deposits | 116,667,000 | 114,259,000 | 122,721,000 | 134,385,000 |
| Noninterest-bearing deposits | 23,023,000 | 26,073,000 | 23,858,000 | 25,738,000 |
| Equity capital | 19,460,000 | 21,710,000 | 22,228,000 | 22,593,000 |
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 | 1,630,000 | 3,345,000 | 5,141,000 | 7,038,000 |
| Interest expense | 265,000 | 521,000 | 786,000 | 1,068,000 |
| Net interest income | 1,365,000 | 2,824,000 | 4,355,000 | 5,970,000 |
| Noninterest income | 236,000 | 556,000 | 837,000 | 1,124,000 |
| Noninterest expense | 1,216,000 | 2,604,000 | 3,863,000 | 5,287,000 |
| Provision for loan losses | 69,000 | 138,000 | 207,000 | 276,000 |
| Pretax income | 316,000 | 638,000 | 1,122,000 | 1,531,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 316,000 | 638,000 | 1,122,000 | 1,531,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,243,000 | 21,565,000 | 22,048,000 | 22,458,000 |
| Total capital | 21,086,000 | 23,562,000 | 24,132,000 | 24,670,000 |
| Risk-weighted assets | 147,289,000 | 159,707,000 | 166,662,000 | 181,061,000 |