Call reports 2015
SAVINGS BANK, THE — 2015
What SAVINGS BANK, 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 | 329,290,000 | 327,169,000 | 335,182,000 | 335,007,000 |
| Total loans | 181,591,000 | 175,924,000 | 182,747,000 | 185,938,000 |
| Allowance for loan losses | 2,095,000 | 2,153,000 | 2,045,000 | 1,963,000 |
| Securities available for sale | 114,604,000 | 124,340,000 | 127,346,000 | 124,744,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 286,708,000 | 284,961,000 | 292,270,000 | 293,060,000 |
| Interest-bearing deposits | 241,870,000 | 240,418,000 | 246,950,000 | 243,768,000 |
| Noninterest-bearing deposits | 44,838,000 | 44,543,000 | 45,320,000 | 49,292,000 |
| Equity capital | 36,326,000 | 35,976,000 | 36,947,000 | 36,280,000 |
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 | 2,879,000 | 5,759,000 | 8,652,000 | 11,570,000 |
| Interest expense | 340,000 | 669,000 | 1,015,000 | 1,373,000 |
| Net interest income | 2,539,000 | 5,090,000 | 7,637,000 | 10,197,000 |
| Noninterest income | 253,000 | 564,000 | 876,000 | 1,146,000 |
| Noninterest expense | 1,960,000 | 4,006,000 | 6,066,000 | 8,064,000 |
| Provision for loan losses | 150,000 | 300,000 | 350,000 | 450,000 |
| Pretax income | 682,000 | 1,585,000 | 2,343,000 | 3,314,000 |
| Income tax | 187,000 | 434,000 | 619,000 | 891,000 |
| Net income | 495,000 | 1,151,000 | 1,724,000 | 2,423,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,274,000 | 35,750,000 | 36,143,000 | 36,064,000 |
| Total capital | 37,224,000 | 37,724,000 | 38,157,000 | 38,027,000 |
| Risk-weighted assets | 156,079,000 | 157,706,000 | 161,063,000 | 169,187,000 |