Call reports 2015
NATIONAL BANK OF ST. ANNE — 2015
What NATIONAL BANK OF ST. ANNE 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 | 52,132,000 | 48,879,000 | 48,103,000 | 48,060,000 |
| Total loans | 28,765,000 | 28,054,000 | 28,781,000 | 31,234,000 |
| Allowance for loan losses | 304,000 | 290,000 | 260,000 | 271,000 |
| Securities available for sale | 3,136,000 | 2,032,000 | 3,030,000 | 3,954,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,275,000 | 39,023,000 | 39,520,000 | 40,138,000 |
| Interest-bearing deposits | 30,747,000 | 29,876,000 | 31,342,000 | 29,378,000 |
| Noninterest-bearing deposits | 11,528,000 | 9,148,000 | 8,177,000 | 10,760,000 |
| Equity capital | 6,191,000 | 6,170,000 | 6,240,000 | 6,187,000 |
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 | 435,000 | 872,000 | 1,320,000 | 1,789,000 |
| Interest expense | 25,000 | 47,000 | 71,000 | 92,000 |
| Net interest income | 410,000 | 825,000 | 1,249,000 | 1,697,000 |
| Noninterest income | 55,000 | 137,000 | 183,000 | 228,000 |
| Noninterest expense | 341,000 | 724,000 | 1,086,000 | 1,416,000 |
| Provision for loan losses | 10,000 | 20,000 | 30,000 | 98,000 |
| Pretax income | 114,000 | 220,000 | 318,000 | 413,000 |
| Income tax | 39,000 | 92,000 | 121,000 | 136,000 |
| Net income | 75,000 | 128,000 | 197,000 | 277,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,158,000 | 4,200,000 | 4,280,000 | 4,241,000 |
| Total capital | 4,462,000 | 4,490,000 | 4,540,000 | 4,512,000 |
| Risk-weighted assets | 29,895,000 | 29,127,000 | 29,724,000 | 31,929,000 |