Call reports 2015
CALUMET BANK — 2015
What CALUMET 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 | 136,827,000 | 147,543,000 | 153,044,000 | 146,970,000 |
| Total loans | 101,269,000 | 100,561,000 | 102,132,000 | 100,887,000 |
| Allowance for loan losses | 1,355,000 | 1,398,000 | 1,368,000 | 1,368,000 |
| Securities available for sale | 19,051,000 | 19,037,000 | 20,130,000 | 24,078,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,502,000 | 129,205,000 | 134,436,000 | 129,334,000 |
| Interest-bearing deposits | 96,172,000 | 105,471,000 | 112,977,000 | 109,633,000 |
| Noninterest-bearing deposits | 22,330,000 | 23,734,000 | 21,459,000 | 19,701,000 |
| Equity capital | 15,129,000 | 15,143,000 | 15,384,000 | 15,403,000 |
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 | 1,375,000 | 2,767,000 | 4,197,000 | 5,634,000 |
| Interest expense | 175,000 | 355,000 | 558,000 | 764,000 |
| Net interest income | 1,200,000 | 2,412,000 | 3,639,000 | 4,870,000 |
| Noninterest income | 144,000 | 293,000 | 445,000 | 618,000 |
| Noninterest expense | 1,248,000 | 2,371,000 | 3,583,000 | 4,880,000 |
| Provision for loan losses | 64,000 | 107,000 | 107,000 | 107,000 |
| Pretax income | 35,000 | 227,000 | 391,000 | 494,000 |
| Income tax | 3,000 | 56,000 | 100,000 | 91,000 |
| Net income | 32,000 | 171,000 | 291,000 | 403,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,104,000 | 15,264,000 | 15,381,000 | 15,481,000 |
| Total capital | 16,427,000 | 16,566,000 | 16,729,000 | 16,826,000 |
| Risk-weighted assets | 107,092,000 | 104,070,000 | 107,734,000 | 107,606,000 |