Call reports 2015
SIDNEY STATE BANK — 2015
What SIDNEY 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 | 52,722,000 | 51,147,000 | 52,946,000 | 53,753,000 |
| Total loans | 40,788,000 | 42,131,000 | 42,807,000 | 42,635,000 |
| Allowance for loan losses | 447,000 | 480,000 | 507,000 | 525,000 |
| Securities available for sale | 2,232,000 | 2,715,000 | 1,967,000 | 2,463,000 |
| Securities held to maturity | 2,434,000 | 1,989,000 | 1,983,000 | 2,156,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,376,000 | 41,562,000 | 41,192,000 | 42,252,000 |
| Interest-bearing deposits | 39,607,000 | 37,589,000 | 36,606,000 | 38,091,000 |
| Noninterest-bearing deposits | 3,769,000 | 3,973,000 | 4,586,000 | 4,161,000 |
| Equity capital | 6,244,000 | 6,222,000 | 6,352,000 | 6,311,000 |
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 | 592,000 | 1,218,000 | 1,868,000 | 2,499,000 |
| Interest expense | 69,000 | 139,000 | 207,000 | 284,000 |
| Net interest income | 523,000 | 1,079,000 | 1,661,000 | 2,215,000 |
| Noninterest income | 47,000 | 89,000 | 137,000 | 182,000 |
| Noninterest expense | 418,000 | 880,000 | 1,331,000 | 1,813,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 96,000 |
| Pretax income | 128,000 | 240,000 | 395,000 | 488,000 |
| Income tax | 35,000 | 52,000 | 79,000 | 91,000 |
| Net income | 93,000 | 188,000 | 316,000 | 397,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,206,000 | 6,203,000 | 6,342,000 | 6,319,000 |
| Total capital | 6,563,000 | 6,573,000 | 6,715,000 | 6,697,000 |
| Risk-weighted assets | 28,558,000 | 29,565,000 | 29,770,000 | 30,060,000 |