Call reports 2015
BORDER BANK — 2015
What BORDER 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 | 375,172,000 | 376,371,000 | 389,461,000 | 391,878,000 |
| Total loans | 279,705,000 | 285,466,000 | 298,964,000 | 298,117,000 |
| Allowance for loan losses | 3,739,000 | 3,860,000 | 3,854,000 | 3,846,000 |
| Securities available for sale | 58,989,000 | 59,494,000 | 58,184,000 | 57,523,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 322,048,000 | 319,215,000 | 320,261,000 | 328,783,000 |
| Interest-bearing deposits | 250,706,000 | 249,144,000 | 248,234,000 | 250,778,000 |
| Noninterest-bearing deposits | 71,342,000 | 70,071,000 | 72,027,000 | 78,005,000 |
| Equity capital | 39,563,000 | 40,462,000 | 42,471,000 | 41,535,000 |
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 | 3,816,000 | 7,737,000 | 11,785,000 | 15,849,000 |
| Interest expense | 422,000 | 858,000 | 1,315,000 | 1,783,000 |
| Net interest income | 3,394,000 | 6,879,000 | 10,470,000 | 14,066,000 |
| Noninterest income | 461,000 | 1,367,000 | 1,982,000 | 2,474,000 |
| Noninterest expense | 2,735,000 | 5,431,000 | 8,166,000 | 10,817,000 |
| Provision for loan losses | 135,000 | 180,000 | 180,000 | 180,000 |
| Pretax income | 985,000 | 2,635,000 | 4,106,000 | 5,557,000 |
| Income tax | 3,000 | 7,000 | 10,000 | 10,000 |
| Net income | 982,000 | 2,628,000 | 4,096,000 | 5,547,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,868,000 | 39,512,000 | 40,979,000 | 40,429,000 |
| Total capital | 41,595,000 | 43,288,000 | 44,857,000 | 44,304,000 |
| Risk-weighted assets | 298,069,000 | 301,936,000 | 310,181,000 | 309,933,000 |