Call reports 2015
STATE BANK OF TOWNSEND, THE — 2015
What STATE BANK OF TOWNSEND, THE 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 | 56,165,000 | 57,059,000 | 54,569,000 | 56,799,000 |
| Total loans | 26,486,000 | 28,785,000 | 32,649,000 | 31,577,000 |
| Allowance for loan losses | 338,000 | 339,000 | 339,000 | 330,000 |
| Securities available for sale | 14,727,000 | 15,156,000 | 12,505,000 | 12,800,000 |
| Securities held to maturity | 3,000 | 3,000 | 3,000 | 2,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,134,000 | 50,984,000 | 48,317,000 | 50,731,000 |
| Interest-bearing deposits | 37,813,000 | 39,199,000 | 37,759,000 | 38,946,000 |
| Noninterest-bearing deposits | 12,321,000 | 11,785,000 | 10,558,000 | 11,785,000 |
| Equity capital | 5,633,000 | 5,709,000 | 5,886,000 | 5,735,000 |
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 | 569,000 | 1,163,000 | 1,783,000 | 2,419,000 |
| Interest expense | 50,000 | 98,000 | 145,000 | 191,000 |
| Net interest income | 519,000 | 1,065,000 | 1,638,000 | 2,228,000 |
| Noninterest income | 88,000 | 167,000 | 271,000 | 350,000 |
| Noninterest expense | 502,000 | 1,001,000 | 1,495,000 | 1,999,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 105,000 | 231,000 | 425,000 | 590,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 105,000 | 231,000 | 425,000 | 590,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,547,000 | 5,654,000 | 5,792,000 | 5,725,000 |
| Total capital | 5,883,000 | 5,993,000 | 6,077,000 | 5,991,000 |
| Risk-weighted assets | 26,951,000 | 27,474,000 | 22,758,000 | 21,277,000 |