Call reports 2015
HALSTEAD BANK, THE — 2015
What HALSTEAD BANK, 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 | 96,521,000 | 103,886,000 | 103,146,000 | 104,794,000 |
| Total loans | 72,417,000 | 78,163,000 | 77,952,000 | 82,671,000 |
| Allowance for loan losses | 877,000 | 905,000 | 931,000 | 945,000 |
| Securities available for sale | 11,738,000 | 10,513,000 | 8,579,000 | 6,147,000 |
| Securities held to maturity | 1,077,000 | 1,073,000 | 756,000 | 681,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,793,000 | 85,779,000 | 85,914,000 | 89,042,000 |
| Interest-bearing deposits | 63,241,000 | 64,243,000 | 63,537,000 | 66,383,000 |
| Noninterest-bearing deposits | 22,552,000 | 21,536,000 | 22,377,000 | 22,659,000 |
| Equity capital | 7,990,000 | 8,945,000 | 9,125,000 | 9,279,000 |
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 | 934,000 | 1,935,000 | 2,972,000 | 4,023,000 |
| Interest expense | 82,000 | 159,000 | 238,000 | 319,000 |
| Net interest income | 852,000 | 1,776,000 | 2,734,000 | 3,704,000 |
| Noninterest income | 198,000 | 387,000 | 619,000 | 802,000 |
| Noninterest expense | 829,000 | 1,656,000 | 2,511,000 | 3,365,000 |
| Provision for loan losses | 36,000 | 72,000 | 108,000 | 144,000 |
| Pretax income | 185,000 | 440,000 | 739,000 | 1,002,000 |
| Income tax | 8,000 | 19,000 | 33,000 | 43,000 |
| Net income | 177,000 | 421,000 | 706,000 | 959,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,972,000 | 8,936,000 | 9,106,000 | 9,290,000 |
| Total capital | 8,849,000 | 9,841,000 | 10,037,000 | 10,235,000 |
| Risk-weighted assets | 87,027,000 | 93,220,000 | 92,161,000 | 96,830,000 |
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