Call reports 2015
SHELL LAKE STATE BANK — 2015
What SHELL LAKE STATE 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 | 171,355,000 | 172,336,000 | 175,739,000 | 176,174,000 |
| Total loans | 70,939,000 | 70,514,000 | 71,832,000 | 72,349,000 |
| Allowance for loan losses | 1,301,000 | 1,175,000 | 1,193,000 | 1,091,000 |
| Securities available for sale | 88,960,000 | 88,634,000 | 92,027,000 | 89,398,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,385,000 | 133,866,000 | 135,067,000 | 134,650,000 |
| Interest-bearing deposits | 105,155,000 | 106,651,000 | 107,882,000 | 105,444,000 |
| Noninterest-bearing deposits | 27,230,000 | 27,215,000 | 27,185,000 | 29,206,000 |
| Equity capital | 32,321,000 | 31,678,000 | 32,872,000 | 32,423,000 |
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 | 1,494,000 | 2,966,000 | 4,500,000 | 6,087,000 |
| Interest expense | 164,000 | 329,000 | 499,000 | 655,000 |
| Net interest income | 1,330,000 | 2,637,000 | 4,001,000 | 5,432,000 |
| Noninterest income | 152,000 | 333,000 | 491,000 | 705,000 |
| Noninterest expense | 918,000 | 1,893,000 | 2,785,000 | 3,937,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 541,000 | 924,000 | 1,555,000 | 2,018,000 |
| Income tax | 1,000 | 3,000 | 5,000 | 6,000 |
| Net income | 540,000 | 921,000 | 1,550,000 | 2,012,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,569,000 | 29,901,000 | 30,595,000 | 30,443,000 |
| Total capital | 30,655,000 | 30,990,000 | 31,682,000 | 31,516,000 |
| Risk-weighted assets | 86,687,000 | 87,071,000 | 86,909,000 | 85,842,000 |