Call reports 2015
FIRST STATE BANK OF RANDOLPH COUNTY — 2015
What FIRST STATE BANK OF RANDOLPH COUNTY 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 | 73,597,000 | 70,758,000 | 72,377,000 | 76,750,000 |
| Total loans | 31,709,000 | 33,569,000 | 33,713,000 | 30,136,000 |
| Allowance for loan losses | 388,000 | 397,000 | 404,000 | 412,000 |
| Securities available for sale | 33,131,000 | 30,413,000 | 30,236,000 | 31,574,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,272,000 | 63,874,000 | 65,097,000 | 69,837,000 |
| Interest-bearing deposits | 50,282,000 | 48,579,000 | 51,307,000 | 51,318,000 |
| Noninterest-bearing deposits | 15,990,000 | 15,295,000 | 13,790,000 | 18,519,000 |
| Equity capital | 6,950,000 | 6,480,000 | 6,876,000 | 6,538,000 |
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 | 647,000 | 1,258,000 | 1,931,000 | 2,554,000 |
| Interest expense | 103,000 | 214,000 | 324,000 | 433,000 |
| Net interest income | 544,000 | 1,044,000 | 1,607,000 | 2,121,000 |
| Noninterest income | 80,000 | 149,000 | 222,000 | 295,000 |
| Noninterest expense | 525,000 | 1,076,000 | 1,617,000 | 2,141,000 |
| Provision for loan losses | 8,000 | 15,000 | 22,000 | 30,000 |
| Pretax income | 93,000 | 167,000 | 252,000 | 310,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 93,000 | 167,000 | 252,000 | 310,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,945,000 | 7,019,000 | 7,104,000 | 6,902,000 |
| Total capital | 7,333,000 | 7,416,000 | 7,508,000 | 7,314,000 |
| Risk-weighted assets | 46,230,000 | 45,819,000 | 46,344,000 | 44,721,000 |