Call reports 2015
USAMERIBANK — 2015
What USAMERIBANK 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 | 3,260,647,000 | 3,446,611,000 | 3,522,828,000 | 3,631,468,000 |
| Total loans | 2,601,389,000 | 2,766,668,000 | 2,860,738,000 | 2,945,592,000 |
| Allowance for loan losses | 27,218,000 | 29,387,000 | 31,038,000 | 32,666,000 |
| Securities available for sale | 250,800,000 | 266,258,000 | 246,648,000 | 228,568,000 |
| Securities held to maturity | 141,925,000 | 160,194,000 | 171,172,000 | 190,570,000 |
| Trading assets | 5,996,000 | 4,118,000 | 6,628,000 | 5,512,000 |
| Total deposits | 2,733,508,000 | 2,805,806,000 | 2,895,797,000 | 2,999,429,000 |
| Interest-bearing deposits | 1,987,755,000 | 2,066,687,000 | 2,131,716,000 | 2,225,198,000 |
| Noninterest-bearing deposits | 745,753,000 | 739,119,000 | 764,081,000 | 774,231,000 |
| Equity capital | 291,808,000 | 295,755,000 | 305,555,000 | 315,370,000 |
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 | 30,158,000 | 62,591,000 | 96,429,000 | 131,257,000 |
| Interest expense | 3,855,000 | 7,695,000 | 11,525,000 | 15,329,000 |
| Net interest income | 26,303,000 | 54,896,000 | 84,904,000 | 115,928,000 |
| Noninterest income | 3,321,000 | 7,143,000 | 10,699,000 | 16,024,000 |
| Noninterest expense | 16,969,000 | 34,418,000 | 52,108,000 | 70,368,000 |
| Provision for loan losses | 762,000 | 2,871,000 | 4,375,000 | 5,476,000 |
| Pretax income | 12,257,000 | 25,165,000 | 39,532,000 | 56,552,000 |
| Income tax | 4,534,000 | 9,175,000 | 14,055,000 | 20,411,000 |
| Net income | 7,723,000 | 15,990,000 | 25,477,000 | 36,141,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 283,194,000 | 289,002,000 | 297,437,000 | 307,684,000 |
| Total capital | 310,496,000 | 318,441,000 | 328,563,000 | 340,798,000 |
| Risk-weighted assets | 2,759,187,000 | 2,944,605,000 | 3,023,161,000 | 3,149,783,000 |