Call reports 2015
BELT VALLEY BANK — 2015
What BELT VALLEY 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 | 60,116,000 | 59,005,000 | 59,946,000 | 58,641,000 |
| Total loans | 38,662,000 | 40,485,000 | 40,538,000 | 41,503,000 |
| Allowance for loan losses | 712,000 | 715,000 | 720,000 | 653,000 |
| Securities available for sale | 14,908,000 | 14,733,000 | 14,910,000 | 14,778,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,895,000 | 49,372,000 | 47,674,000 | 49,990,000 |
| Interest-bearing deposits | 43,781,000 | 41,000,000 | 39,591,000 | 40,410,000 |
| Noninterest-bearing deposits | 8,114,000 | 8,372,000 | 8,083,000 | 9,580,000 |
| Equity capital | 7,563,000 | 7,669,000 | 7,959,000 | 8,007,000 |
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 | 648,000 | 1,323,000 | 2,010,000 | 2,700,000 |
| Interest expense | 72,000 | 138,000 | 197,000 | 250,000 |
| Net interest income | 576,000 | 1,185,000 | 1,813,000 | 2,450,000 |
| Noninterest income | 33,000 | 212,000 | 250,000 | 267,000 |
| Noninterest expense | 380,000 | 805,000 | 1,205,000 | 1,698,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 229,000 | 592,000 | 858,000 | 1,019,000 |
| Income tax | 83,000 | 230,000 | 334,000 | 370,000 |
| Net income | 146,000 | 362,000 | 524,000 | 649,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,634,000 | 7,849,000 | 8,011,000 | 8,137,000 |
| Total capital | 8,118,000 | 8,353,000 | 8,520,000 | 8,645,000 |
| Risk-weighted assets | 38,538,000 | 40,169,000 | 40,537,000 | 40,505,000 |
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