Call reports 2015
SMACKOVER STATE BANK — 2015
What SMACKOVER 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 | 195,847,000 | 192,080,000 | 189,315,000 | 191,307,000 |
| Total loans | 65,235,000 | 65,036,000 | 61,682,000 | 61,812,000 |
| Allowance for loan losses | 942,000 | 950,000 | 997,000 | 1,031,000 |
| Securities available for sale | 65,123,000 | 67,260,000 | 63,648,000 | 62,861,000 |
| Securities held to maturity | 40,520,000 | 41,483,000 | 42,554,000 | 42,523,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,066,000 | 169,729,000 | 166,268,000 | 168,931,000 |
| Interest-bearing deposits | 139,107,000 | 136,926,000 | 133,996,000 | 134,276,000 |
| Noninterest-bearing deposits | 33,959,000 | 32,803,000 | 32,272,000 | 34,655,000 |
| Equity capital | 22,230,000 | 22,057,000 | 22,665,000 | 22,212,000 |
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 | 1,540,000 | 3,133,000 | 4,701,000 | 6,213,000 |
| Interest expense | 257,000 | 519,000 | 780,000 | 1,038,000 |
| Net interest income | 1,283,000 | 2,614,000 | 3,921,000 | 5,175,000 |
| Noninterest income | 131,000 | 267,000 | 403,000 | 545,000 |
| Noninterest expense | 820,000 | 1,708,000 | 2,558,000 | 3,376,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 549,000 | 1,083,000 | 1,631,000 | 2,164,000 |
| Income tax | 122,000 | 207,000 | 317,000 | 382,000 |
| Net income | 427,000 | 876,000 | 1,314,000 | 1,782,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,679,000 | 21,864,000 | 22,152,000 | 21,919,000 |
| Total capital | 22,621,000 | 22,814,000 | 23,149,000 | 22,950,000 |
| Risk-weighted assets | 89,841,000 | 86,683,000 | 85,491,000 | 86,407,000 |