Call reports 2015
SCALE BANK — 2015
What SCALE 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 | 515,528,000 | 534,692,000 | 490,271,000 | 494,573,000 |
| Total loans | 406,023,000 | 429,892,000 | 361,410,000 | 399,118,000 |
| Allowance for loan losses | 3,194,000 | 3,220,000 | 3,221,000 | 3,222,000 |
| Securities available for sale | 74,008,000 | 67,263,000 | 49,708,000 | 60,353,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 382,453,000 | 384,082,000 | 406,790,000 | 402,802,000 |
| Interest-bearing deposits | 254,467,000 | 245,082,000 | 259,886,000 | 267,935,000 |
| Noninterest-bearing deposits | 127,986,000 | 139,000,000 | 146,904,000 | 134,867,000 |
| Equity capital | 79,052,000 | 80,456,000 | 81,311,000 | 78,705,000 |
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 | 3,685,000 | 8,307,000 | 12,706,000 | 16,695,000 |
| Interest expense | 180,000 | 387,000 | 580,000 | 766,000 |
| Net interest income | 3,505,000 | 7,920,000 | 12,126,000 | 15,929,000 |
| Noninterest income | 347,000 | 698,000 | 1,058,000 | 1,416,000 |
| Noninterest expense | 2,157,000 | 4,511,000 | 6,852,000 | 9,141,000 |
| Provision for loan losses | 0 | 100,000 | 100,000 | 100,000 |
| Pretax income | 1,695,000 | 4,007,000 | 6,250,000 | 8,122,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,695,000 | 4,007,000 | 6,250,000 | 8,122,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,920,000 | 53,399,000 | 54,230,000 | 52,086,000 |
| Total capital | 55,114,000 | 56,619,000 | 57,451,000 | 55,308,000 |
| Risk-weighted assets | 348,122,000 | 360,652,000 | 315,588,000 | 331,040,000 |