Call reports 2015
STATE BANK OF TOLEDO, THE — 2015
What STATE BANK OF TOLEDO, THE 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 | 107,968,000 | 101,523,000 | 108,909,000 | 110,885,000 |
| Total loans | 88,484,000 | 89,747,000 | 91,269,000 | 89,467,000 |
| Allowance for loan losses | 976,000 | 1,089,000 | 1,096,000 | 1,315,000 |
| Securities available for sale | 3,375,000 | 2,407,000 | 2,373,000 | 1,416,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,571,000 | 89,860,000 | 97,862,000 | 99,233,000 |
| Interest-bearing deposits | 72,293,000 | 63,143,000 | 72,981,000 | 65,553,000 |
| Noninterest-bearing deposits | 26,278,000 | 26,717,000 | 24,881,000 | 33,680,000 |
| Equity capital | 9,228,000 | 9,391,000 | 9,566,000 | 9,394,000 |
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 | 1,129,000 | 2,238,000 | 3,333,000 | 4,464,000 |
| Interest expense | 69,000 | 139,000 | 212,000 | 289,000 |
| Net interest income | 1,060,000 | 2,099,000 | 3,121,000 | 4,175,000 |
| Noninterest income | 127,000 | 286,000 | 424,000 | 693,000 |
| Noninterest expense | 820,000 | 1,586,000 | 2,307,000 | 3,131,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 260,000 |
| Pretax income | 352,000 | 769,000 | 1,193,000 | 1,477,000 |
| Income tax | 17,000 | 37,000 | 58,000 | 69,000 |
| Net income | 335,000 | 732,000 | 1,135,000 | 1,408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,164,000 | 9,345,000 | 9,532,000 | 9,373,000 |
| Total capital | 10,140,000 | 10,434,000 | 10,628,000 | 10,480,000 |
| Risk-weighted assets | 87,467,000 | 87,620,000 | 90,441,000 | 88,343,000 |