Call reports 2015
FRIEND BANK — 2015
What FRIEND 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 | 121,037,000 | 123,251,000 | 124,630,000 | 124,918,000 |
| Total loans | 77,635,000 | 81,159,000 | 81,973,000 | 76,482,000 |
| Allowance for loan losses | 664,000 | 860,000 | 907,000 | 1,009,000 |
| Securities available for sale | 10,968,000 | 12,300,000 | 11,760,000 | 13,302,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,211,000 | 110,288,000 | 111,902,000 | 113,150,000 |
| Interest-bearing deposits | 86,116,000 | 88,946,000 | 90,431,000 | 90,632,000 |
| Noninterest-bearing deposits | 22,095,000 | 21,342,000 | 21,471,000 | 22,518,000 |
| Equity capital | 11,997,000 | 12,159,000 | 12,475,000 | 11,491,000 |
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 | 1,171,000 | 2,608,000 | 3,903,000 | 5,072,000 |
| Interest expense | 88,000 | 150,000 | 244,000 | 347,000 |
| Net interest income | 1,083,000 | 2,458,000 | 3,659,000 | 4,725,000 |
| Noninterest income | 277,000 | 562,000 | 874,000 | 1,126,000 |
| Noninterest expense | 976,000 | 1,999,000 | 3,032,000 | 4,167,000 |
| Provision for loan losses | 0 | 205,000 | 251,000 | 397,000 |
| Pretax income | 384,000 | 816,000 | 1,250,000 | 1,287,000 |
| Income tax | 19,000 | 41,000 | 62,000 | 110,000 |
| Net income | 365,000 | 775,000 | 1,188,000 | 1,177,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,634,000 | 11,703,000 | 12,210,000 | 11,254,000 |
| Total capital | 12,298,000 | 12,563,000 | 13,117,000 | 12,162,000 |
| Risk-weighted assets | 72,167,000 | 75,223,000 | 77,722,000 | 72,553,000 |