Call reports 2015
BANESCO USA — 2015
What BANESCO USA 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 | 893,483,000 | 942,252,000 | 934,908,000 | 942,576,000 |
| Total loans | 646,272,000 | 680,080,000 | 691,342,000 | 695,624,000 |
| Allowance for loan losses | 7,329,000 | 7,641,000 | 7,722,000 | 7,956,000 |
| Securities available for sale | 187,844,000 | 179,660,000 | 195,917,000 | 188,945,000 |
| Securities held to maturity | 0 | 1,247,000 | 1,241,000 | 1,233,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 714,966,000 | 750,174,000 | 741,536,000 | 776,244,000 |
| Interest-bearing deposits | 439,469,000 | 434,674,000 | 441,663,000 | 452,321,000 |
| Noninterest-bearing deposits | 275,497,000 | 315,500,000 | 299,873,000 | 323,923,000 |
| Equity capital | 86,770,000 | 85,587,000 | 87,083,000 | 87,347,000 |
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 | 8,989,000 | 18,069,000 | 27,589,000 | 37,291,000 |
| Interest expense | 850,000 | 1,721,000 | 2,640,000 | 3,617,000 |
| Net interest income | 8,139,000 | 16,348,000 | 24,949,000 | 33,674,000 |
| Noninterest income | 1,518,000 | 2,890,000 | 4,613,000 | 6,306,000 |
| Noninterest expense | 8,745,000 | 17,715,000 | 26,756,000 | 35,119,000 |
| Provision for loan losses | 322,000 | 634,000 | 456,000 | 831,000 |
| Pretax income | 726,000 | 1,217,000 | 2,678,000 | 4,368,000 |
| Income tax | 279,000 | 485,000 | 982,000 | 1,599,000 |
| Net income | 447,000 | 732,000 | 1,696,000 | 2,769,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,892,000 | 88,192,000 | 89,162,000 | 90,241,000 |
| Total capital | 95,585,000 | 96,214,000 | 97,381,000 | 98,737,000 |
| Risk-weighted assets | 668,184,000 | 712,114,000 | 733,408,000 | 744,902,000 |