Call reports 2015
FIRST BANK OF NEWTON — 2015
What FIRST BANK OF NEWTON 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 | 177,497,000 | 179,636,000 | 183,853,000 | 188,591,000 |
| Total loans | 125,491,000 | 130,607,000 | 141,457,000 | 145,066,000 |
| Allowance for loan losses | 1,756,000 | 1,780,000 | 1,833,000 | 1,813,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 29,509,000 | 28,900,000 | 27,385,000 | 24,713,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,133,000 | 158,687,000 | 164,553,000 | 163,130,000 |
| Interest-bearing deposits | 143,679,000 | 140,491,000 | 145,195,000 | 143,649,000 |
| Noninterest-bearing deposits | 18,454,000 | 18,196,000 | 19,358,000 | 19,481,000 |
| Equity capital | 14,811,000 | 15,117,000 | 15,501,000 | 15,840,000 |
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 | 1,609,000 | 3,356,000 | 5,141,000 | 6,912,000 |
| Interest expense | 105,000 | 211,000 | 319,000 | 429,000 |
| Net interest income | 1,504,000 | 3,145,000 | 4,822,000 | 6,483,000 |
| Noninterest income | 222,000 | 450,000 | 681,000 | 993,000 |
| Noninterest expense | 1,244,000 | 2,624,000 | 3,933,000 | 5,236,000 |
| Provision for loan losses | 50,000 | 75,000 | 125,000 | 250,000 |
| Pretax income | 432,000 | 896,000 | 1,445,000 | 1,990,000 |
| Income tax | 11,000 | 19,000 | 34,000 | 90,000 |
| Net income | 421,000 | 877,000 | 1,411,000 | 1,900,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,811,000 | 15,117,000 | 15,501,000 | 15,840,000 |
| Total capital | 16,389,000 | 16,746,000 | 17,233,000 | 17,647,000 |
| Risk-weighted assets | 126,076,000 | 130,193,000 | 138,377,000 | 144,588,000 |