Call reports 2015
CARMINE STATE BANK — 2015
What CARMINE 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 | 72,275,000 | 71,470,000 | 72,025,000 | 71,730,000 |
| Total loans | 18,047,000 | 18,581,000 | 18,944,000 | 19,025,000 |
| Allowance for loan losses | 170,000 | 175,000 | 175,000 | 193,000 |
| Securities available for sale | 11,292,000 | 10,980,000 | 10,359,000 | 9,725,000 |
| Securities held to maturity | 13,929,000 | 14,311,000 | 12,811,000 | 12,554,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,160,000 | 62,475,000 | 62,777,000 | 62,655,000 |
| Interest-bearing deposits | 50,393,000 | 49,581,000 | 49,118,000 | 49,162,000 |
| Noninterest-bearing deposits | 12,767,000 | 12,894,000 | 13,658,000 | 13,493,000 |
| Equity capital | 8,914,000 | 8,881,000 | 9,088,000 | 9,051,000 |
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 | 557,000 | 1,127,000 | 1,708,000 | 2,274,000 |
| Interest expense | 99,000 | 197,000 | 296,000 | 399,000 |
| Net interest income | 458,000 | 930,000 | 1,412,000 | 1,875,000 |
| Noninterest income | 47,000 | 88,000 | 135,000 | 178,000 |
| Noninterest expense | 336,000 | 691,000 | 1,077,000 | 1,483,000 |
| Provision for loan losses | 0 | 0 | 0 | 15,000 |
| Pretax income | 216,000 | 374,000 | 520,000 | 606,000 |
| Income tax | 29,000 | 23,000 | 18,000 | -2,000 |
| Net income | 187,000 | 351,000 | 502,000 | 608,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,621,000 | 8,642,000 | 8,786,000 | 8,718,000 |
| Total capital | 8,791,000 | 8,817,000 | 8,961,000 | 8,911,000 |
| Risk-weighted assets | 21,343,000 | 21,539,000 | 21,448,000 | 21,246,000 |