Call reports 2015
STATE BANK OF INDUSTRY — 2015
What STATE BANK OF INDUSTRY 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 | 44,771,000 | 48,338,000 | 47,944,000 | 49,576,000 |
| Total loans | 31,375,000 | 32,875,000 | 33,197,000 | 31,558,000 |
| Allowance for loan losses | 336,000 | 342,000 | 337,000 | 345,000 |
| Securities available for sale | 11,780,000 | 11,332,000 | 12,328,000 | 12,669,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,858,000 | 41,380,000 | 40,782,000 | 42,394,000 |
| Interest-bearing deposits | 33,329,000 | 36,595,000 | 35,996,000 | 37,650,000 |
| Noninterest-bearing deposits | 4,529,000 | 4,785,000 | 4,786,000 | 4,744,000 |
| Equity capital | 6,558,000 | 6,580,000 | 6,764,000 | 6,840,000 |
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 | 460,000 | 943,000 | 1,407,000 | 1,906,000 |
| Interest expense | 48,000 | 103,000 | 162,000 | 225,000 |
| Net interest income | 412,000 | 840,000 | 1,245,000 | 1,681,000 |
| Noninterest income | 25,000 | 57,000 | 100,000 | 126,000 |
| Noninterest expense | 222,000 | 486,000 | 702,000 | 1,005,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 215,000 | 411,000 | 652,000 | 812,000 |
| Income tax | 12,000 | 12,000 | 12,000 | 12,000 |
| Net income | 203,000 | 399,000 | 640,000 | 800,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,381,000 | 6,497,000 | 6,659,000 | 6,710,000 |
| Total capital | 6,717,000 | 6,839,000 | 6,996,000 | 7,055,000 |
| Risk-weighted assets | 29,759,000 | 32,714,000 | 33,968,000 | 33,424,000 |