Call reports 2015
ISLANDERS BANK — 2015
What ISLANDERS 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 | 255,255,000 | 259,614,000 | 267,814,000 | 268,323,000 |
| Total loans | 183,682,000 | 183,324,000 | 183,746,000 | 182,555,000 |
| Allowance for loan losses | 2,238,000 | 2,238,000 | 2,257,000 | 2,201,000 |
| Securities available for sale | 11,890,000 | 17,767,000 | 22,330,000 | 22,374,000 |
| Securities held to maturity | 13,424,000 | 14,342,000 | 14,734,000 | 14,408,000 |
| Trading assets | 616,000 | 617,000 | 614,000 | 341,000 |
| Total deposits | 219,148,000 | 222,939,000 | 230,613,000 | 230,476,000 |
| Interest-bearing deposits | 151,837,000 | 154,978,000 | 155,128,000 | 156,066,000 |
| Noninterest-bearing deposits | 67,311,000 | 67,961,000 | 75,485,000 | 74,410,000 |
| Equity capital | 34,820,000 | 35,255,000 | 35,731,000 | 36,186,000 |
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 | 2,515,000 | 5,079,000 | 7,677,000 | 10,307,000 |
| Interest expense | 93,000 | 185,000 | 277,000 | 361,000 |
| Net interest income | 2,422,000 | 4,894,000 | 7,400,000 | 9,946,000 |
| Noninterest income | 277,000 | 647,000 | 950,000 | 1,233,000 |
| Noninterest expense | 1,608,000 | 3,064,000 | 4,531,000 | 5,970,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,091,000 | 2,477,000 | 3,819,000 | 5,209,000 |
| Income tax | 349,000 | 800,000 | 1,223,000 | 1,667,000 |
| Net income | 742,000 | 1,677,000 | 2,596,000 | 3,542,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,824,000 | 35,296,000 | 35,754,000 | 36,227,000 |
| Total capital | 37,082,000 | 37,554,000 | 38,031,000 | 38,448,000 |
| Risk-weighted assets | 192,735,000 | 188,759,000 | 190,947,000 | 189,324,000 |