Call reports 2015
BANKGLOUCESTER — 2015
What BANKGLOUCESTER 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 | 199,581,000 | 205,081,000 | 210,624,000 | 220,357,000 |
| Total loans | 163,833,000 | 170,762,000 | 173,958,000 | 185,109,000 |
| Allowance for loan losses | 1,897,000 | 1,416,000 | 1,429,000 | 1,450,000 |
| Securities available for sale | 21,348,000 | 21,357,000 | 20,821,000 | 19,866,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,557,000 | 168,858,000 | 168,831,000 | 175,310,000 |
| Interest-bearing deposits | 146,403,000 | 152,477,000 | 151,369,000 | 158,459,000 |
| Noninterest-bearing deposits | 17,154,000 | 16,380,000 | 17,462,000 | 16,852,000 |
| Equity capital | 17,780,000 | 17,881,000 | 18,153,000 | 18,337,000 |
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 | 2,036,000 | 4,075,000 | 6,207,000 | 8,446,000 |
| Interest expense | 333,000 | 670,000 | 1,018,000 | 1,394,000 |
| Net interest income | 1,703,000 | 3,405,000 | 5,189,000 | 7,052,000 |
| Noninterest income | 176,000 | 396,000 | 605,000 | 816,000 |
| Noninterest expense | 1,556,000 | 3,183,000 | 4,789,000 | 6,473,000 |
| Provision for loan losses | 7,000 | 32,000 | 44,000 | 71,000 |
| Pretax income | 316,000 | 586,000 | 961,000 | 1,324,000 |
| Income tax | 115,000 | 212,000 | 351,000 | 486,000 |
| Net income | 201,000 | 374,000 | 610,000 | 838,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,500,000 | 17,676,000 | 17,911,000 | 18,144,000 |
| Total capital | 19,273,000 | 19,092,000 | 19,340,000 | 19,594,000 |
| Risk-weighted assets | 141,747,000 | 148,790,000 | 151,888,000 | 159,629,000 |