Call reports 2015
EQUITABLE SAVINGS AND LOAN ASSOCIATION — 2015
What EQUITABLE SAVINGS AND LOAN ASSOCIATION 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 | 172,266,000 | 172,450,000 | 181,139,000 | 181,768,000 |
| Total loans | 148,253,000 | 154,562,000 | 160,177,000 | 156,205,000 |
| Allowance for loan losses | 380,000 | 380,000 | 380,000 | 380,000 |
| Securities available for sale | 13,643,000 | 13,114,000 | 10,818,000 | 10,401,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,056,000 | 133,188,000 | 137,066,000 | 137,805,000 |
| Interest-bearing deposits | 131,822,000 | 126,029,000 | 128,616,000 | 128,662,000 |
| Noninterest-bearing deposits | 7,234,000 | 7,159,000 | 8,450,000 | 9,143,000 |
| Equity capital | 25,201,000 | 25,315,000 | 25,528,000 | 25,651,000 |
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 | 1,576,000 | 3,203,000 | 4,849,000 | 6,517,000 |
| Interest expense | 156,000 | 324,000 | 509,000 | 716,000 |
| Net interest income | 1,420,000 | 2,879,000 | 4,340,000 | 5,801,000 |
| Noninterest income | 202,000 | 520,000 | 794,000 | 1,048,000 |
| Noninterest expense | 1,200,000 | 2,372,000 | 3,523,000 | 4,672,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 422,000 | 1,027,000 | 1,601,000 | 2,167,000 |
| Income tax | 149,000 | 372,000 | 580,000 | 785,000 |
| Net income | 273,000 | 655,000 | 1,021,000 | 1,382,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,099,000 | 25,293,000 | 25,473,000 | 25,646,000 |
| Total capital | 25,479,000 | 25,673,000 | 25,853,000 | 26,026,000 |
| Risk-weighted assets | 76,617,000 | 87,824,000 | 92,527,000 | 91,438,000 |