Call reports 2015
JEWETT CITY SAVINGS BANK — 2015
What JEWETT CITY SAVINGS 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 | 244,048,000 | 251,113,000 | 258,509,000 | 260,031,000 |
| Total loans | 150,690,000 | 158,836,000 | 167,888,000 | 169,515,000 |
| Allowance for loan losses | 1,573,000 | 1,608,000 | 1,637,000 | 1,581,000 |
| Securities available for sale | 47,891,000 | 46,800,000 | 44,802,000 | 43,135,000 |
| Securities held to maturity | 2,958,000 | 2,937,000 | 2,917,000 | 2,903,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,948,000 | 206,907,000 | 213,959,000 | 216,040,000 |
| Interest-bearing deposits | 169,934,000 | 172,140,000 | 169,883,000 | 175,030,000 |
| Noninterest-bearing deposits | 30,014,000 | 34,767,000 | 44,076,000 | 41,010,000 |
| Equity capital | 42,247,000 | 42,299,000 | 42,354,000 | 42,754,000 |
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 | 2,145,000 | 4,308,000 | 6,591,000 | 8,884,000 |
| Interest expense | 236,000 | 470,000 | 698,000 | 919,000 |
| Net interest income | 1,909,000 | 3,838,000 | 5,893,000 | 7,965,000 |
| Noninterest income | 418,000 | 840,000 | 1,268,000 | 1,720,000 |
| Noninterest expense | 2,126,000 | 4,245,000 | 6,360,000 | 8,415,000 |
| Provision for loan losses | 54,000 | 108,000 | 135,000 | 86,000 |
| Pretax income | 318,000 | 496,000 | 835,000 | 1,471,000 |
| Income tax | 79,000 | 115,000 | 223,000 | 419,000 |
| Net income | 239,000 | 381,000 | 612,000 | 1,052,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,546,000 | 40,687,000 | 40,918,000 | 41,358,000 |
| Total capital | 42,121,000 | 42,296,000 | 42,557,000 | 42,943,000 |
| Risk-weighted assets | 138,974,000 | 143,409,000 | 154,235,000 | 155,095,000 |