Call reports 2015
POCAHONTAS STATE BANK — 2015
What POCAHONTAS STATE 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 | 101,860,000 | 99,962,000 | 99,172,000 | 102,204,000 |
| Total loans | 38,377,000 | 38,343,000 | 39,019,000 | 42,494,000 |
| Allowance for loan losses | 211,000 | 211,000 | 211,000 | 211,000 |
| Securities available for sale | 17,152,000 | 16,558,000 | 16,203,000 | 15,429,000 |
| Securities held to maturity | 37,921,000 | 36,536,000 | 37,068,000 | 37,354,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,917,000 | 77,735,000 | 74,946,000 | 75,509,000 |
| Interest-bearing deposits | 70,793,000 | 68,172,000 | 66,838,000 | 64,447,000 |
| Noninterest-bearing deposits | 9,124,000 | 9,563,000 | 8,108,000 | 11,062,000 |
| Equity capital | 21,379,000 | 21,679,000 | 22,224,000 | 22,482,000 |
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 | 915,000 | 1,839,000 | 2,745,000 | 3,660,000 |
| Interest expense | 92,000 | 183,000 | 274,000 | 362,000 |
| Net interest income | 823,000 | 1,656,000 | 2,471,000 | 3,298,000 |
| Noninterest income | 36,000 | 59,000 | 96,000 | 131,000 |
| Noninterest expense | 211,000 | 404,000 | 580,000 | 849,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 648,000 | 1,311,000 | 1,987,000 | 2,577,000 |
| Income tax | 28,000 | 59,000 | 97,000 | 130,000 |
| Net income | 620,000 | 1,252,000 | 1,890,000 | 2,447,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,784,000 | 18,276,000 | 18,844,000 | 19,131,000 |
| Total capital | 17,995,000 | 18,487,000 | 19,055,000 | 19,342,000 |
| Risk-weighted assets | 57,695,000 | 57,164,000 | 56,794,000 | 59,876,000 |