Call reports 2015
BANK OF FAYETTE COUNTY, THE — 2015
What BANK OF FAYETTE COUNTY, THE 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 | 352,317,000 | 369,916,000 | 371,582,000 | 373,904,000 |
| Total loans | 275,881,000 | 288,371,000 | 298,441,000 | 304,288,000 |
| Allowance for loan losses | 3,929,000 | 3,973,000 | 4,082,000 | 4,109,000 |
| Securities available for sale | 33,926,000 | 36,612,000 | 38,575,000 | 39,729,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 284,334,000 | 306,722,000 | 306,445,000 | 308,240,000 |
| Interest-bearing deposits | 240,054,000 | 259,168,000 | 255,221,000 | 254,206,000 |
| Noninterest-bearing deposits | 44,280,000 | 47,554,000 | 51,223,000 | 54,034,000 |
| Equity capital | 33,181,000 | 33,320,000 | 34,288,000 | 34,403,000 |
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 | 3,922,000 | 8,072,000 | 12,376,000 | 16,829,000 |
| Interest expense | 357,000 | 719,000 | 1,101,000 | 1,480,000 |
| Net interest income | 3,565,000 | 7,353,000 | 11,275,000 | 15,349,000 |
| Noninterest income | 277,000 | 587,000 | 822,000 | 1,149,000 |
| Noninterest expense | 2,472,000 | 5,165,000 | 7,848,000 | 10,793,000 |
| Provision for loan losses | 92,000 | 183,000 | 367,000 | 706,000 |
| Pretax income | 1,330,000 | 2,662,000 | 3,952,000 | 5,069,000 |
| Income tax | 453,000 | 942,000 | 1,467,000 | 2,021,000 |
| Net income | 877,000 | 1,720,000 | 2,485,000 | 3,048,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,133,000 | 33,547,000 | 34,242,000 | 34,409,000 |
| Total capital | 36,376,000 | 36,946,000 | 37,731,000 | 37,961,000 |
| Risk-weighted assets | 258,790,000 | 271,337,000 | 278,576,000 | 283,609,000 |