Call reports 2015
BANK OF HYDRO — 2015
What BANK OF HYDRO 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 | 141,714,000 | 128,949,000 | 127,217,000 | 127,019,000 |
| Total loans | 117,427,000 | 119,045,000 | 121,777,000 | 120,875,000 |
| Allowance for loan losses | 1,184,000 | 1,158,000 | 1,158,000 | 1,158,000 |
| Securities available for sale | 3,000 | 3,000 | 2,000 | 0 |
| Securities held to maturity | 988,000 | 738,000 | 738,000 | 737,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,023,000 | 111,131,000 | 107,950,000 | 107,963,000 |
| Interest-bearing deposits | 94,782,000 | 84,261,000 | 82,047,000 | 79,107,000 |
| Noninterest-bearing deposits | 29,241,000 | 26,870,000 | 25,903,000 | 28,856,000 |
| Equity capital | 10,765,000 | 10,878,000 | 11,086,000 | 11,309,000 |
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 | 1,453,000 | 2,936,000 | 4,472,000 | 6,017,000 |
| Interest expense | 237,000 | 446,000 | 654,000 | 840,000 |
| Net interest income | 1,216,000 | 2,490,000 | 3,818,000 | 5,177,000 |
| Noninterest income | 108,000 | 209,000 | 323,000 | 506,000 |
| Noninterest expense | 592,000 | 1,210,000 | 1,820,000 | 2,470,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 732,000 | 1,489,000 | 2,321,000 | 3,213,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 732,000 | 1,489,000 | 2,321,000 | 3,213,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,765,000 | 10,878,000 | 11,086,000 | 11,309,000 |
| Total capital | 11,949,000 | 12,036,000 | 12,244,000 | 12,467,000 |
| Risk-weighted assets | 103,884,000 | 102,063,000 | 103,178,000 | 101,600,000 |