Call reports 2015
OUR COMMUNITY BANK — 2015
What OUR COMMUNITY 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 | 65,520,000 | 64,628,000 | 66,060,000 | 62,911,000 |
| Total loans | 46,706,000 | 45,794,000 | 45,208,000 | 44,523,000 |
| Allowance for loan losses | 509,000 | 526,000 | 515,000 | 532,000 |
| Securities available for sale | 7,765,000 | 8,733,000 | 9,829,000 | 10,880,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,275,000 | 45,256,000 | 47,346,000 | 44,643,000 |
| Interest-bearing deposits | 41,812,000 | 38,803,000 | 40,888,000 | 37,821,000 |
| Noninterest-bearing deposits | 6,463,000 | 6,453,000 | 6,458,000 | 6,822,000 |
| Equity capital | 8,470,000 | 7,930,000 | 7,983,000 | 8,013,000 |
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 | 825,000 | 1,635,000 | 2,430,000 | 3,207,000 |
| Interest expense | 125,000 | 245,000 | 362,000 | 470,000 |
| Net interest income | 700,000 | 1,390,000 | 2,068,000 | 2,737,000 |
| Noninterest income | 48,000 | 264,000 | 331,000 | 409,000 |
| Noninterest expense | 628,000 | 1,308,000 | 1,977,000 | 2,674,000 |
| Provision for loan losses | 40,000 | 100,000 | 120,000 | 140,000 |
| Pretax income | 80,000 | 246,000 | 302,000 | 332,000 |
| Income tax | 1,000 | 83,000 | 78,000 | 42,000 |
| Net income | 179,000 | 263,000 | 324,000 | 390,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,472,000 | 7,974,000 | 8,001,000 | 8,036,000 |
| Total capital | 8,944,000 | 8,423,000 | 8,450,000 | 8,481,000 |
| Risk-weighted assets | 37,753,000 | 35,920,000 | 35,893,000 | 35,549,000 |