Call reports 2015
FIRST STATE BANK OF WEST SALEM — 2015
What FIRST STATE BANK OF WEST SALEM 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 | 18,151,000 | 17,919,000 | 17,859,000 | 18,089,000 |
| Total loans | 5,139,000 | 5,235,000 | 5,126,000 | 5,025,000 |
| Allowance for loan losses | 95,000 | 92,000 | 95,000 | 97,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,967,000 | 6,965,000 | 6,114,000 | 4,848,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,853,000 | 14,612,000 | 14,537,000 | 14,876,000 |
| Interest-bearing deposits | 10,675,000 | 10,649,000 | 10,581,000 | 10,696,000 |
| Noninterest-bearing deposits | 4,178,000 | 3,963,000 | 3,956,000 | 4,180,000 |
| Equity capital | 3,266,000 | 3,276,000 | 3,289,000 | 3,183,000 |
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 | 120,000 | 244,000 | 370,000 | 490,000 |
| Interest expense | 8,000 | 18,000 | 26,000 | 33,000 |
| Net interest income | 112,000 | 226,000 | 344,000 | 457,000 |
| Noninterest income | 13,000 | 29,000 | 49,000 | 71,000 |
| Noninterest expense | 113,000 | 228,000 | 348,000 | 516,000 |
| Provision for loan losses | 1,000 | 5,000 | 8,000 | 10,000 |
| Pretax income | 11,000 | 22,000 | 37,000 | 2,000 |
| Income tax | 1,000 | 2,000 | 4,000 | 3,000 |
| Net income | 10,000 | 20,000 | 33,000 | -1,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,266,000 | 3,276,000 | 3,289,000 | 3,183,000 |
| Total capital | 3,356,000 | 3,368,000 | 3,380,000 | 3,277,000 |
| Risk-weighted assets | 7,266,000 | 7,300,000 | 7,291,000 | 7,513,000 |