Call reports 2015
BANK OF CARBONDALE, THE — 2015
What BANK OF CARBONDALE, THE 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 | 209,834,000 | 209,015,000 | 218,323,000 | 213,380,000 |
| Total loans | 139,031,000 | 138,958,000 | 143,012,000 | 144,807,000 |
| Allowance for loan losses | 2,465,000 | 2,453,000 | 2,356,000 | 2,364,000 |
| Securities available for sale | 54,769,000 | 59,097,000 | 56,959,000 | 53,527,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,496,000 | 182,681,000 | 183,939,000 | 185,677,000 |
| Interest-bearing deposits | 157,635,000 | 160,122,000 | 161,300,000 | 164,756,000 |
| Noninterest-bearing deposits | 24,861,000 | 22,559,000 | 22,639,000 | 20,921,000 |
| Equity capital | 25,156,000 | 25,355,000 | 25,884,000 | 26,458,000 |
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 | 1,927,000 | 3,766,000 | 5,671,000 | 7,601,000 |
| Interest expense | 196,000 | 387,000 | 569,000 | 745,000 |
| Net interest income | 1,731,000 | 3,379,000 | 5,102,000 | 6,856,000 |
| Noninterest income | 278,000 | 525,000 | 881,000 | 1,224,000 |
| Noninterest expense | 1,124,000 | 2,243,000 | 3,383,000 | 4,618,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 900,000 | 1,676,000 | 2,635,000 | 3,496,000 |
| Income tax | 278,000 | 531,000 | 833,000 | 1,100,000 |
| Net income | 622,000 | 1,145,000 | 1,802,000 | 2,396,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,893,000 | 25,265,000 | 25,772,000 | 26,317,000 |
| Total capital | 26,804,000 | 27,141,000 | 27,648,000 | 28,223,000 |
| Risk-weighted assets | 152,289,000 | 149,491,000 | 149,675,000 | 152,071,000 |