Call reports 2015
ALGONQUIN STATE BANK — 2015
What ALGONQUIN 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 | 132,953,000 | 134,027,000 | 129,711,000 | 130,750,000 |
| Total loans | 37,933,000 | 36,375,000 | 33,072,000 | 34,592,000 |
| Allowance for loan losses | 634,000 | 635,000 | 537,000 | 542,000 |
| Securities available for sale | 76,603,000 | 77,686,000 | 77,238,000 | 79,125,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,115,000 | 118,527,000 | 113,297,000 | 115,466,000 |
| Interest-bearing deposits | 92,158,000 | 93,197,000 | 89,972,000 | 90,872,000 |
| Noninterest-bearing deposits | 23,957,000 | 25,330,000 | 23,325,000 | 24,594,000 |
| Equity capital | 16,120,000 | 14,852,000 | 15,776,000 | 14,566,000 |
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 | 854,000 | 1,731,000 | 2,569,000 | 3,384,000 |
| Interest expense | 44,000 | 86,000 | 128,000 | 168,000 |
| Net interest income | 810,000 | 1,645,000 | 2,441,000 | 3,216,000 |
| Noninterest income | 114,000 | 235,000 | 364,000 | 484,000 |
| Noninterest expense | 1,077,000 | 2,135,000 | 3,232,000 | 5,108,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | -96,000 | -152,000 | -228,000 | -1,145,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -96,000 | -152,000 | -228,000 | -1,145,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,052,000 | 14,997,000 | 14,921,000 | 14,003,000 |
| Total capital | 15,647,000 | 15,616,000 | 15,458,000 | 14,545,000 |
| Risk-weighted assets | 47,542,000 | 49,522,000 | 51,173,000 | 52,052,000 |