Call reports 2015
CONGAREE STATE BANK — 2015
What CONGAREE 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 | 111,669,000 | 111,933,000 | 116,365,000 | 108,816,000 |
| Total loans | 79,643,000 | 82,251,000 | 81,579,000 | 80,981,000 |
| Allowance for loan losses | 1,083,000 | 1,216,000 | 1,113,000 | 1,080,000 |
| Securities available for sale | 18,081,000 | 17,581,000 | 16,606,000 | 15,268,000 |
| Securities held to maturity | 3,437,000 | 3,429,000 | 3,420,000 | 3,412,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,848,000 | 86,310,000 | 95,834,000 | 90,551,000 |
| Interest-bearing deposits | 70,997,000 | 70,878,000 | 79,573,000 | 74,005,000 |
| Noninterest-bearing deposits | 16,851,000 | 15,432,000 | 16,261,000 | 16,546,000 |
| Equity capital | 13,165,000 | 13,107,000 | 13,267,000 | 13,245,000 |
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 | 1,111,000 | 2,245,000 | 3,419,000 | 4,588,000 |
| Interest expense | 87,000 | 172,000 | 266,000 | 360,000 |
| Net interest income | 1,024,000 | 2,073,000 | 3,153,000 | 4,228,000 |
| Noninterest income | -6,000 | 131,000 | 252,000 | 380,000 |
| Noninterest expense | 948,000 | 1,927,000 | 2,961,000 | 3,929,000 |
| Provision for loan losses | 75,000 | 130,000 | 195,000 | 220,000 |
| Pretax income | 106,000 | 263,000 | 365,000 | 578,000 |
| Income tax | 5,000 | 71,000 | 116,000 | 205,000 |
| Net income | 101,000 | 192,000 | 249,000 | 373,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,754,000 | 11,903,000 | 11,925,000 | 12,108,000 |
| Total capital | 12,770,000 | 12,980,000 | 13,013,000 | 13,162,000 |
| Risk-weighted assets | 80,408,000 | 85,218,000 | 86,231,000 | 83,574,000 |