Call reports 2015
HENRY STATE BANK — 2015
What HENRY 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 | 101,812,000 | 102,665,000 | 102,416,000 | 105,769,000 |
| Total loans | 55,367,000 | 56,576,000 | 57,820,000 | 62,366,000 |
| Allowance for loan losses | 1,504,000 | 1,510,000 | 1,616,000 | 1,436,000 |
| Securities available for sale | 38,458,000 | 38,073,000 | 37,474,000 | 35,810,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,645,000 | 83,019,000 | 82,196,000 | 82,623,000 |
| Interest-bearing deposits | 67,246,000 | 67,776,000 | 65,943,000 | 69,059,000 |
| Noninterest-bearing deposits | 15,399,000 | 15,243,000 | 16,253,000 | 13,564,000 |
| Equity capital | 13,484,000 | 13,680,000 | 13,992,000 | 14,092,000 |
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 | 846,000 | 1,691,000 | 2,614,000 | 3,510,000 |
| Interest expense | 110,000 | 213,000 | 306,000 | 393,000 |
| Net interest income | 736,000 | 1,478,000 | 2,308,000 | 3,117,000 |
| Noninterest income | 56,000 | 418,000 | 476,000 | 525,000 |
| Noninterest expense | 560,000 | 1,135,000 | 1,742,000 | 2,397,000 |
| Provision for loan losses | 0 | 10,000 | 10,000 | -100,000 |
| Pretax income | 232,000 | 751,000 | 1,032,000 | 1,345,000 |
| Income tax | 3,000 | 10,000 | 14,000 | 19,000 |
| Net income | 229,000 | 741,000 | 1,018,000 | 1,326,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,568,000 | 13,546,000 | 13,712,000 | 13,796,000 |
| Total capital | 14,391,000 | 14,367,000 | 14,570,000 | 14,701,000 |
| Risk-weighted assets | 65,133,000 | 65,022,000 | 67,883,000 | 71,858,000 |
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