Call reports 2015
STATE NATIONAL BANK IN WEST, THE — 2015
What STATE NATIONAL BANK IN WEST, 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 | 71,587,000 | 70,147,000 | 70,527,000 | 71,734,000 |
| Total loans | 15,477,000 | 13,839,000 | 14,031,000 | 14,203,000 |
| Allowance for loan losses | 162,000 | 106,000 | 104,000 | 139,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 48,988,000 | 49,183,000 | 48,118,000 | 46,292,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,626,000 | 64,139,000 | 64,537,000 | 65,778,000 |
| Interest-bearing deposits | 42,836,000 | 41,954,000 | 42,783,000 | 43,214,000 |
| Noninterest-bearing deposits | 22,790,000 | 22,185,000 | 21,754,000 | 22,564,000 |
| Equity capital | 5,882,000 | 5,929,000 | 5,928,000 | 5,938,000 |
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 | 442,000 | 862,000 | 1,268,000 | 1,679,000 |
| Interest expense | 43,000 | 86,000 | 128,000 | 170,000 |
| Net interest income | 399,000 | 776,000 | 1,140,000 | 1,509,000 |
| Noninterest income | 78,000 | 146,000 | 216,000 | 285,000 |
| Noninterest expense | 365,000 | 734,000 | 1,173,000 | 1,586,000 |
| Provision for loan losses | 0 | 5,000 | 20,000 | 35,000 |
| Pretax income | 112,000 | 183,000 | 163,000 | 173,000 |
| Income tax | 38,000 | 62,000 | 43,000 | 43,000 |
| Net income | 74,000 | 121,000 | 120,000 | 130,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,882,000 | 5,929,000 | 5,928,000 | 5,938,000 |
| Total capital | 6,044,000 | 6,035,000 | 6,032,000 | 6,077,000 |
| Risk-weighted assets | 26,530,000 | 24,755,000 | 24,775,000 | 25,150,000 |