Call reports 2015
21ST CENTURY BANK — 2015
What 21ST CENTURY 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 | 359,408,000 | 357,705,000 | 355,279,000 | 358,390,000 |
| Total loans | 271,460,000 | 268,910,000 | 269,110,000 | 273,746,000 |
| Allowance for loan losses | 1,702,000 | 1,760,000 | 1,761,000 | 1,672,000 |
| Securities available for sale | 50,678,000 | 48,617,000 | 48,004,000 | 46,833,000 |
| Securities held to maturity | 1,376,000 | 1,369,000 | 1,363,000 | 1,179,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 311,925,000 | 309,554,000 | 304,392,000 | 294,825,000 |
| Interest-bearing deposits | 296,294,000 | 293,797,000 | 289,150,000 | 277,544,000 |
| Noninterest-bearing deposits | 15,631,000 | 15,757,000 | 15,242,000 | 17,281,000 |
| Equity capital | 46,115,000 | 46,664,000 | 47,797,000 | 48,789,000 |
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 | 3,311,000 | 6,657,000 | 10,043,000 | 13,476,000 |
| Interest expense | 340,000 | 672,000 | 1,003,000 | 1,326,000 |
| Net interest income | 2,971,000 | 5,985,000 | 9,040,000 | 12,150,000 |
| Noninterest income | 295,000 | 591,000 | 860,000 | 1,462,000 |
| Noninterest expense | 1,879,000 | 3,648,000 | 5,541,000 | 7,518,000 |
| Provision for loan losses | 1,050,000 | 1,057,000 | 1,128,000 | 1,145,000 |
| Pretax income | 363,000 | 1,897,000 | 3,257,000 | 4,975,000 |
| Income tax | 136,000 | 747,000 | 1,287,000 | 1,972,000 |
| Net income | 227,000 | 1,150,000 | 1,970,000 | 3,003,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,584,000 | 47,507,000 | 48,326,000 | 49,359,000 |
| Total capital | 48,286,000 | 49,267,000 | 50,087,000 | 51,031,000 |
| Risk-weighted assets | 261,967,000 | 258,537,000 | 257,481,000 | 264,813,000 |