Call reports 2015
BANK OF BEARDEN — 2015
What BANK OF BEARDEN 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 | 47,944,000 | 44,669,000 | 39,809,000 | 45,210,000 |
| Total loans | 22,654,000 | 24,144,000 | 24,989,000 | 26,647,000 |
| Allowance for loan losses | 284,000 | 287,000 | 290,000 | 297,000 |
| Securities available for sale | 1,914,000 | 1,804,000 | 1,888,000 | 1,771,000 |
| Securities held to maturity | 8,467,000 | 8,328,000 | 7,806,000 | 6,889,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,997,000 | 38,660,000 | 33,385,000 | 39,243,000 |
| Interest-bearing deposits | 18,242,000 | 17,947,000 | 17,620,000 | 18,438,000 |
| Noninterest-bearing deposits | 23,755,000 | 20,712,000 | 15,765,000 | 20,805,000 |
| Equity capital | 5,918,000 | 5,974,000 | 6,089,000 | 5,937,000 |
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 | 335,000 | 697,000 | 1,076,000 | 1,469,000 |
| Interest expense | 18,000 | 35,000 | 53,000 | 71,000 |
| Net interest income | 317,000 | 662,000 | 1,023,000 | 1,398,000 |
| Noninterest income | 14,000 | 26,000 | 43,000 | 55,000 |
| Noninterest expense | 241,000 | 461,000 | 681,000 | 913,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 22,000 |
| Pretax income | 87,000 | 221,000 | 376,000 | 533,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 87,000 | 221,000 | 376,000 | 533,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,918,000 | 5,974,000 | 6,089,000 | 5,947,000 |
| Total capital | 6,142,000 | 6,027,000 | 6,379,000 | 6,244,000 |
| Risk-weighted assets | 17,890,000 | 22,282,000 | 30,361,000 | 30,538,000 |