Call reports 2015
GLASFORD STATE BANK — 2015
What GLASFORD STATE 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 | 34,861,000 | 34,898,000 | 36,306,000 | 34,951,000 |
| Total loans | 16,686,000 | 17,243,000 | 18,390,000 | 18,602,000 |
| Allowance for loan losses | 114,000 | 121,000 | 91,000 | 97,000 |
| Securities available for sale | 12,440,000 | 11,463,000 | 11,010,000 | 10,858,000 |
| Securities held to maturity | 425,000 | 622,000 | 622,000 | 834,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,908,000 | 32,064,000 | 33,338,000 | 31,952,000 |
| Interest-bearing deposits | 28,416,000 | 28,753,000 | 30,109,000 | 28,940,000 |
| Noninterest-bearing deposits | 3,492,000 | 3,312,000 | 3,229,000 | 3,012,000 |
| Equity capital | 2,892,000 | 2,790,000 | 2,904,000 | 2,926,000 |
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 | 260,000 | 525,000 | 802,000 | 1,081,000 |
| Interest expense | 16,000 | 34,000 | 52,000 | 70,000 |
| Net interest income | 244,000 | 491,000 | 750,000 | 1,011,000 |
| Noninterest income | 47,000 | 97,000 | 150,000 | 206,000 |
| Noninterest expense | 240,000 | 482,000 | 723,000 | 997,000 |
| Provision for loan losses | 6,000 | 12,000 | 12,000 | 21,000 |
| Pretax income | 51,000 | 106,000 | 179,000 | 213,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 49,000 | 104,000 | 177,000 | 211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,833,000 | 2,839,000 | 2,861,000 | 2,895,000 |
| Total capital | 2,947,000 | 2,960,000 | 2,952,000 | 2,992,000 |
| Risk-weighted assets | 14,801,000 | 15,810,000 | 16,500,000 | 16,444,000 |