Call reports 2015
ESCAMBIA COUNTY BANK — 2015
What ESCAMBIA COUNTY 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 | 83,186,000 | 81,127,000 | 80,284,000 | 78,451,000 |
| Total loans | 20,251,000 | 20,121,000 | 20,375,000 | 21,446,000 |
| Allowance for loan losses | 548,000 | 738,000 | 723,000 | 719,000 |
| Securities available for sale | 57,639,000 | 57,029,000 | 56,273,000 | 54,074,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,508,000 | 68,089,000 | 66,967,000 | 65,204,000 |
| Interest-bearing deposits | 57,524,000 | 55,335,000 | 55,222,000 | 52,275,000 |
| Noninterest-bearing deposits | 13,984,000 | 12,754,000 | 11,745,000 | 12,929,000 |
| Equity capital | 11,628,000 | 11,259,000 | 11,616,000 | 11,595,000 |
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 | 637,000 | 1,259,000 | 1,857,000 | 2,478,000 |
| Interest expense | 50,000 | 101,000 | 152,000 | 202,000 |
| Net interest income | 587,000 | 1,158,000 | 1,705,000 | 2,276,000 |
| Noninterest income | 135,000 | 279,000 | 422,000 | 596,000 |
| Noninterest expense | 658,000 | 1,277,000 | 1,917,000 | 2,531,000 |
| Provision for loan losses | 8,000 | 0 | 0 | 0 |
| Pretax income | 78,000 | 182,000 | 256,000 | 410,000 |
| Income tax | 2,000 | 6,000 | 10,000 | 38,000 |
| Net income | 76,000 | 176,000 | 246,000 | 372,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,117,000 | 11,217,000 | 11,287,000 | 11,413,000 |
| Total capital | 11,398,000 | 11,614,000 | 11,682,000 | 11,805,000 |
| Risk-weighted assets | 22,190,000 | 31,428,000 | 31,303,000 | 31,067,000 |