Call reports 2015
SCOTTSBURG BUILDING AND LOAN ASSOCIATION — 2015
What SCOTTSBURG BUILDING AND LOAN ASSOCIATION 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 | 94,252,000 | 94,078,000 | 93,264,000 | 94,084,000 |
| Total loans | 47,605,000 | 45,683,000 | 46,172,000 | 48,424,000 |
| Allowance for loan losses | 385,000 | 410,000 | 415,000 | 405,000 |
| Securities available for sale | 35,615,000 | 36,834,000 | 36,172,000 | 34,606,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,891,000 | 72,840,000 | 73,031,000 | 72,591,000 |
| Interest-bearing deposits | 71,454,000 | 72,499,000 | 72,602,000 | 72,178,000 |
| Noninterest-bearing deposits | 437,000 | 341,000 | 429,000 | 413,000 |
| Equity capital | 11,682,000 | 11,652,000 | 11,639,000 | 11,449,000 |
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 | 848,000 | 1,651,000 | 2,452,000 | 3,231,000 |
| Interest expense | 266,000 | 530,000 | 793,000 | 1,045,000 |
| Net interest income | 582,000 | 1,121,000 | 1,659,000 | 2,186,000 |
| Noninterest income | 0 | 58,000 | 107,000 | 155,000 |
| Noninterest expense | 474,000 | 958,000 | 1,419,000 | 1,883,000 |
| Provision for loan losses | 35,000 | 60,000 | 76,000 | 91,000 |
| Pretax income | 96,000 | 184,000 | 294,000 | 242,000 |
| Income tax | -7,000 | -7,000 | 17,000 | -8,000 |
| Net income | 103,000 | 191,000 | 277,000 | 250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,707,000 | 11,781,000 | 11,860,000 | 11,789,000 |
| Total capital | 12,092,000 | 12,191,000 | 12,275,000 | 12,194,000 |
| Risk-weighted assets | 44,935,000 | 45,399,000 | 45,534,000 | 46,043,000 |