Call reports 2015
SAVINGS BANK — 2015
What SAVINGS 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 | 176,448,000 | 181,738,000 | 182,575,000 | 185,035,000 |
| Total loans | 134,338,000 | 139,241,000 | 140,978,000 | 142,494,000 |
| Allowance for loan losses | 1,638,000 | 1,352,000 | 1,575,000 | 1,515,000 |
| Securities available for sale | 7,323,000 | 7,100,000 | 7,290,000 | 7,622,000 |
| Securities held to maturity | 30,994,000 | 30,599,000 | 30,162,000 | 29,626,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,940,000 | 152,447,000 | 154,218,000 | 162,253,000 |
| Interest-bearing deposits | 139,943,000 | 137,646,000 | 141,109,000 | 144,777,000 |
| Noninterest-bearing deposits | 15,997,000 | 14,801,000 | 13,109,000 | 17,476,000 |
| Equity capital | 16,175,000 | 16,500,000 | 17,191,000 | 17,748,000 |
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 | 1,855,000 | 3,754,000 | 5,680,000 | 7,632,000 |
| Interest expense | 306,000 | 626,000 | 954,000 | 1,297,000 |
| Net interest income | 1,549,000 | 3,128,000 | 4,726,000 | 6,335,000 |
| Noninterest income | 62,000 | 127,000 | 192,000 | 252,000 |
| Noninterest expense | 616,000 | 1,257,000 | 1,889,000 | 2,623,000 |
| Provision for loan losses | 105,000 | 280,000 | 505,000 | 535,000 |
| Pretax income | 890,000 | 1,718,000 | 2,524,000 | 3,429,000 |
| Income tax | 49,000 | 75,000 | 125,000 | 167,000 |
| Net income | 841,000 | 1,643,000 | 2,399,000 | 3,262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,246,000 | 16,794,000 | 17,296,000 | 17,906,000 |
| Total capital | 17,884,000 | 18,146,000 | 18,871,000 | 19,421,000 |
| Risk-weighted assets | 142,506,000 | 149,150,000 | 150,090,000 | 151,355,000 |
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