Call reports 2015
BRAINERD SAVINGS & LOAN FEDERAL ASSOCIATION — 2015
What BRAINERD SAVINGS & LOAN FEDERAL ASSOCIATION 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 | 64,442,000 | 63,631,000 | 63,446,000 | 64,021,000 |
| Total loans | 43,124,000 | 42,359,000 | 43,595,000 | 44,387,000 |
| Allowance for loan losses | 428,000 | 429,000 | 428,000 | 428,000 |
| Securities available for sale | 9,170,000 | 10,812,000 | 10,248,000 | 10,264,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,304,000 | 50,050,000 | 49,788,000 | 49,949,000 |
| Interest-bearing deposits | 46,915,000 | 46,442,000 | 46,494,000 | 46,115,000 |
| Noninterest-bearing deposits | 3,389,000 | 3,608,000 | 3,294,000 | 3,834,000 |
| Equity capital | 5,540,000 | 5,472,000 | 5,510,000 | 5,430,000 |
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 | 618,000 | 1,201,000 | 1,800,000 | 2,385,000 |
| Interest expense | 129,000 | 257,000 | 381,000 | 510,000 |
| Net interest income | 489,000 | 944,000 | 1,419,000 | 1,875,000 |
| Noninterest income | 61,000 | 219,000 | 379,000 | 485,000 |
| Noninterest expense | 565,000 | 1,148,000 | 1,730,000 | 2,331,000 |
| Provision for loan losses | 3,000 | 3,000 | 3,000 | 3,000 |
| Pretax income | -7,000 | 23,000 | 85,000 | 51,000 |
| Income tax | -41,000 | -30,000 | 6,000 | 8,000 |
| Net income | 34,000 | 53,000 | 79,000 | 43,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,476,000 | 5,494,000 | 5,520,000 | 5,485,000 |
| Total capital | 5,904,000 | 5,923,000 | 5,948,000 | 5,913,000 |
| Risk-weighted assets | 40,456,000 | 40,985,000 | 41,387,000 | 42,104,000 |