Call reports 2015
FMS BANK — 2015
What FMS 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 | 158,038,000 | 155,511,000 | 157,616,000 | 156,227,000 |
| Total loans | 101,954,000 | 103,776,000 | 110,653,000 | 111,742,000 |
| Allowance for loan losses | 1,302,000 | 1,405,000 | 1,444,000 | 1,481,000 |
| Securities available for sale | 38,990,000 | 37,813,000 | 29,734,000 | 28,924,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,301,000 | 125,000,000 | 127,724,000 | 126,606,000 |
| Interest-bearing deposits | 92,949,000 | 92,239,000 | 93,833,000 | 93,009,000 |
| Noninterest-bearing deposits | 35,352,000 | 32,761,000 | 33,891,000 | 33,597,000 |
| Equity capital | 14,899,000 | 15,009,000 | 15,372,000 | 15,819,000 |
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 | 1,756,000 | 3,577,000 | 5,433,000 | 7,324,000 |
| Interest expense | 166,000 | 316,000 | 468,000 | 620,000 |
| Net interest income | 1,590,000 | 3,261,000 | 4,965,000 | 6,704,000 |
| Noninterest income | 345,000 | 899,000 | 1,373,000 | 2,143,000 |
| Noninterest expense | 1,473,000 | 3,058,000 | 4,701,000 | 6,255,000 |
| Provision for loan losses | 39,000 | 78,000 | 117,000 | 156,000 |
| Pretax income | 423,000 | 1,024,000 | 1,494,000 | 2,410,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 423,000 | 1,024,000 | 1,494,000 | 2,410,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,671,000 | 14,965,000 | 15,322,000 | 15,800,000 |
| Total capital | 15,982,000 | 16,380,000 | 16,776,000 | 17,291,000 |
| Risk-weighted assets | 148,224,000 | 151,516,000 | 156,891,000 | 158,925,000 |