Call reports 2015
FIRST BANK OF BELOIT — 2015
What FIRST BANK OF BELOIT 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 | 81,269,000 | 79,848,000 | 78,658,000 | 85,510,000 |
| Total loans | 44,317,000 | 46,191,000 | 46,114,000 | 46,226,000 |
| Allowance for loan losses | 652,000 | 704,000 | 749,000 | 749,000 |
| Securities available for sale | 23,138,000 | 22,435,000 | 21,598,000 | 23,615,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,131,000 | 68,619,000 | 65,350,000 | 72,319,000 |
| Interest-bearing deposits | 52,731,000 | 51,534,000 | 47,738,000 | 54,447,000 |
| Noninterest-bearing deposits | 17,400,000 | 17,085,000 | 17,612,000 | 17,872,000 |
| Equity capital | 8,901,000 | 8,918,000 | 9,094,000 | 9,150,000 |
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 | 641,000 | 1,320,000 | 1,994,000 | 2,660,000 |
| Interest expense | 60,000 | 120,000 | 177,000 | 236,000 |
| Net interest income | 581,000 | 1,200,000 | 1,817,000 | 2,424,000 |
| Noninterest income | 67,000 | 131,000 | 199,000 | 243,000 |
| Noninterest expense | 485,000 | 979,000 | 1,555,000 | 2,129,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 50,000 |
| Pretax income | 165,000 | 307,000 | 419,000 | 496,000 |
| Income tax | 20,000 | 67,000 | 80,000 | 55,000 |
| Net income | 145,000 | 240,000 | 339,000 | 441,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,757,000 | 8,852,000 | 8,950,000 | 9,053,000 |
| Total capital | 9,409,000 | 9,534,000 | 9,628,000 | 9,745,000 |
| Risk-weighted assets | 53,197,000 | 54,533,000 | 54,137,000 | 55,320,000 |