Call reports 2015
CRESSON COMMUNITY BANK — 2015
What CRESSON COMMUNITY 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 | 60,328,000 | 59,967,000 | 58,986,000 | 59,114,000 |
| Total loans | 20,430,000 | 19,845,000 | 19,331,000 | 18,965,000 |
| Allowance for loan losses | 116,000 | 98,000 | 100,000 | 100,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 25,284,000 | 26,277,000 | 24,141,000 | 25,559,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,820,000 | 51,408,000 | 50,704,000 | 50,803,000 |
| Interest-bearing deposits | 51,680,000 | 51,296,000 | 50,657,000 | 50,706,000 |
| Noninterest-bearing deposits | 140,000 | 112,000 | 47,000 | 97,000 |
| Equity capital | 7,260,000 | 7,300,000 | 7,336,000 | 7,407,000 |
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 | 441,000 | 910,000 | 1,344,000 | 1,757,000 |
| Interest expense | 124,000 | 247,000 | 367,000 | 476,000 |
| Net interest income | 317,000 | 663,000 | 977,000 | 1,281,000 |
| Noninterest income | 20,000 | 40,000 | 63,000 | 88,000 |
| Noninterest expense | 329,000 | 640,000 | 935,000 | 1,223,000 |
| Provision for loan losses | 15,000 | 23,000 | 23,000 | 23,000 |
| Pretax income | 93,000 | 140,000 | 182,000 | 223,000 |
| Income tax | 14,000 | 21,000 | 27,000 | -21,000 |
| Net income | 79,000 | 119,000 | 155,000 | 244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,260,000 | 7,300,000 | 7,336,000 | 7,407,000 |
| Total capital | 7,376,000 | 7,398,000 | 7,436,000 | 7,507,000 |
| Risk-weighted assets | 22,516,000 | 19,202,000 | 19,498,000 | 20,139,000 |