Call reports 2015
ST. ANSGAR STATE BANK — 2015
What ST. ANSGAR 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 | 99,170,000 | 101,123,000 | 100,733,000 | 108,701,000 |
| Total loans | 72,980,000 | 73,299,000 | 72,491,000 | 74,563,000 |
| Allowance for loan losses | 778,000 | 766,000 | 776,000 | 726,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 17,436,000 | 18,135,000 | 18,136,000 | 18,137,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,429,000 | 85,374,000 | 83,823,000 | 91,450,000 |
| Interest-bearing deposits | 71,621,000 | 70,854,000 | 69,030,000 | 72,224,000 |
| Noninterest-bearing deposits | 13,808,000 | 14,520,000 | 14,793,000 | 19,226,000 |
| Equity capital | 13,309,000 | 13,268,000 | 13,322,000 | 12,966,000 |
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 | 942,000 | 1,899,000 | 2,859,000 | 3,800,000 |
| Interest expense | 78,000 | 162,000 | 257,000 | 355,000 |
| Net interest income | 864,000 | 1,737,000 | 2,602,000 | 3,445,000 |
| Noninterest income | 29,000 | 59,000 | 107,000 | 420,000 |
| Noninterest expense | 528,000 | 1,060,000 | 1,601,000 | 2,196,000 |
| Provision for loan losses | 0 | 100,000 | 100,000 | 350,000 |
| Pretax income | 365,000 | 636,000 | 1,008,000 | 1,319,000 |
| Income tax | 12,000 | 24,000 | 42,000 | 59,000 |
| Net income | 353,000 | 612,000 | 966,000 | 1,260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,309,000 | 13,268,000 | 13,322,000 | 12,966,000 |
| Total capital | 14,087,000 | 14,034,000 | 14,098,000 | 13,692,000 |
| Risk-weighted assets | 78,577,000 | 78,794,000 | 77,351,000 | 81,410,000 |