Call reports 2015
BENCHMARK BANK — 2015
What BENCHMARK 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 | 478,472,000 | 482,750,000 | 506,848,000 | 495,556,000 |
| Total loans | 375,313,000 | 414,247,000 | 433,456,000 | 436,585,000 |
| Allowance for loan losses | 2,369,000 | 2,429,000 | 2,667,000 | 3,022,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,861,000 | 2,706,000 | 2,421,000 | 2,318,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 430,091,000 | 395,427,000 | 424,703,000 | 412,913,000 |
| Interest-bearing deposits | 288,719,000 | 259,626,000 | 292,184,000 | 273,208,000 |
| Noninterest-bearing deposits | 141,372,000 | 135,801,000 | 132,519,000 | 139,705,000 |
| Equity capital | 42,279,000 | 47,214,000 | 48,157,000 | 46,581,000 |
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 | 4,607,000 | 10,397,000 | 15,905,000 | 21,419,000 |
| Interest expense | 232,000 | 466,000 | 704,000 | 955,000 |
| Net interest income | 4,375,000 | 9,931,000 | 15,201,000 | 20,464,000 |
| Noninterest income | 4,291,000 | 11,109,000 | 18,694,000 | 22,098,000 |
| Noninterest expense | 8,831,000 | 17,753,000 | 29,448,000 | 37,691,000 |
| Provision for loan losses | 81,000 | 98,000 | 315,000 | 815,000 |
| Pretax income | -246,000 | 3,189,000 | 4,132,000 | 4,056,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -246,000 | 3,189,000 | 4,132,000 | 4,056,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,508,000 | 43,227,000 | 44,468,000 | 46,230,000 |
| Total capital | 40,877,000 | 45,656,000 | 47,135,000 | 49,252,000 |
| Risk-weighted assets | 419,135,000 | 445,971,000 | 465,849,000 | 467,562,000 |