Call reports 2015
STOUGHTON CO-OPERATIVE BANK — 2015
What STOUGHTON CO-OPERATIVE 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 | 101,264,000 | 103,654,000 | 107,672,000 | 108,356,000 |
| Total loans | 63,064,000 | 64,264,000 | 68,767,000 | 68,842,000 |
| Allowance for loan losses | 478,000 | 479,000 | 508,000 | 522,000 |
| Securities available for sale | 31,554,000 | 30,783,000 | 30,762,000 | 29,307,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,896,000 | 79,943,000 | 85,188,000 | 84,894,000 |
| Interest-bearing deposits | 76,082,000 | 76,518,000 | 82,138,000 | 81,892,000 |
| Noninterest-bearing deposits | 2,814,000 | 3,425,000 | 3,050,000 | 3,002,000 |
| Equity capital | 8,910,000 | 8,604,000 | 8,836,000 | 8,846,000 |
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 | 795,000 | 1,583,000 | 2,430,000 | 3,298,000 |
| Interest expense | 196,000 | 395,000 | 600,000 | 815,000 |
| Net interest income | 599,000 | 1,188,000 | 1,830,000 | 2,483,000 |
| Noninterest income | 75,000 | 120,000 | 194,000 | 282,000 |
| Noninterest expense | 647,000 | 1,285,000 | 1,911,000 | 2,547,000 |
| Provision for loan losses | 0 | 0 | 28,000 | 40,000 |
| Pretax income | 73,000 | 92,000 | 159,000 | 271,000 |
| Income tax | -25,000 | -33,000 | -30,000 | -11,000 |
| Net income | 98,000 | 125,000 | 189,000 | 282,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,848,000 | 8,869,000 | 8,933,000 | 9,026,000 |
| Total capital | 9,326,000 | 9,348,000 | 9,441,000 | 9,548,000 |
| Risk-weighted assets | 54,045,000 | 52,260,000 | 54,402,000 | 56,492,000 |