Call reports 2015
STURDY SAVINGS BANK — 2015
What STURDY 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 | 726,559,000 | 737,996,000 | 759,355,000 | 762,884,000 |
| Total loans | 422,760,000 | 432,984,000 | 429,955,000 | 443,800,000 |
| Allowance for loan losses | 2,282,000 | 2,250,000 | 2,251,000 | 2,102,000 |
| Securities available for sale | 168,652,000 | 169,053,000 | 173,877,000 | 194,876,000 |
| Securities held to maturity | 53,861,000 | 51,761,000 | 47,551,000 | 46,167,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 620,569,000 | 631,512,000 | 663,250,000 | 652,869,000 |
| Interest-bearing deposits | 523,571,000 | 513,201,000 | 538,485,000 | 544,296,000 |
| Noninterest-bearing deposits | 96,998,000 | 118,311,000 | 124,765,000 | 108,573,000 |
| Equity capital | 70,648,000 | 70,348,000 | 71,965,000 | 72,130,000 |
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 | 5,115,000 | 11,029,000 | 17,089,000 | 23,171,000 |
| Interest expense | 298,000 | 641,000 | 967,000 | 1,278,000 |
| Net interest income | 4,817,000 | 10,388,000 | 16,122,000 | 21,893,000 |
| Noninterest income | 665,000 | 1,546,000 | 2,815,000 | 3,663,000 |
| Noninterest expense | 4,840,000 | 10,172,000 | 15,736,000 | 20,992,000 |
| Provision for loan losses | 24,000 | 173,000 | 179,000 | 16,000 |
| Pretax income | 797,000 | 1,768,000 | 3,201,000 | 4,764,000 |
| Income tax | 228,000 | 531,000 | 1,008,000 | 1,547,000 |
| Net income | 569,000 | 1,237,000 | 2,193,000 | 3,217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,687,000 | 64,375,000 | 65,351,000 | 66,395,000 |
| Total capital | 65,983,000 | 66,627,000 | 67,613,000 | 68,497,000 |
| Risk-weighted assets | 475,248,000 | 487,985,000 | 481,300,000 | 507,311,000 |