Call reports 2015
SALYERSVILLE NATIONAL BANK, THE — 2015
What SALYERSVILLE NATIONAL BANK, THE 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 | 132,640,000 | 125,894,000 | 118,945,000 | 115,435,000 |
| Total loans | 41,205,000 | 39,060,000 | 40,871,000 | 39,975,000 |
| Allowance for loan losses | 409,000 | 410,000 | 407,000 | 488,000 |
| Securities available for sale | 82,852,000 | 70,671,000 | 67,996,000 | 66,310,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,734,000 | 91,888,000 | 84,143,000 | 86,410,000 |
| Interest-bearing deposits | 70,364,000 | 70,764,000 | 63,239,000 | 66,409,000 |
| Noninterest-bearing deposits | 22,370,000 | 21,124,000 | 20,904,000 | 20,001,000 |
| Equity capital | 15,919,000 | 15,069,000 | 15,883,000 | 15,711,000 |
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 | 1,131,000 | 2,211,000 | 3,257,000 | 4,334,000 |
| Interest expense | 78,000 | 169,000 | 253,000 | 326,000 |
| Net interest income | 1,053,000 | 2,042,000 | 3,004,000 | 4,008,000 |
| Noninterest income | 71,000 | 147,000 | 232,000 | 307,000 |
| Noninterest expense | 799,000 | 1,538,000 | 2,313,000 | 3,106,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 323,000 | 670,000 | 945,000 | 1,234,000 |
| Income tax | 38,000 | 65,000 | 78,000 | 208,000 |
| Net income | 285,000 | 605,000 | 867,000 | 1,026,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,728,000 | 15,730,000 | 15,992,000 | 15,851,000 |
| Total capital | 16,151,000 | 16,140,000 | 16,399,000 | 16,339,000 |
| Risk-weighted assets | 54,132,000 | 51,852,000 | 50,606,000 | 50,301,000 |