Call reports 2015
BANNER CAPITAL BANK — 2015
What BANNER CAPITAL 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 | 111,892,000 | 114,336,000 | 113,080,000 | 116,491,000 |
| Total loans | 87,047,000 | 93,802,000 | 94,623,000 | 98,664,000 |
| Allowance for loan losses | 1,266,000 | 1,266,000 | 1,251,000 | 1,254,000 |
| Securities available for sale | 16,331,000 | 15,417,000 | 13,506,000 | 12,208,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,256,000 | 94,558,000 | 93,435,000 | 96,172,000 |
| Interest-bearing deposits | 87,562,000 | 84,770,000 | 85,006,000 | 86,625,000 |
| Noninterest-bearing deposits | 10,694,000 | 9,788,000 | 8,429,000 | 9,547,000 |
| Equity capital | 13,456,000 | 12,529,000 | 12,795,000 | 13,023,000 |
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 | 1,271,000 | 2,582,000 | 3,966,000 | 5,350,000 |
| Interest expense | 198,000 | 400,000 | 606,000 | 819,000 |
| Net interest income | 1,073,000 | 2,182,000 | 3,360,000 | 4,531,000 |
| Noninterest income | 40,000 | 85,000 | 139,000 | 177,000 |
| Noninterest expense | 780,000 | 1,592,000 | 2,451,000 | 3,283,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | 10,000 |
| Pretax income | 323,000 | 665,000 | 1,038,000 | 1,415,000 |
| Income tax | 11,000 | 23,000 | 35,000 | 46,000 |
| Net income | 312,000 | 642,000 | 1,003,000 | 1,369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,769,000 | 12,042,000 | 12,174,000 | 12,437,000 |
| Total capital | 13,891,000 | 13,255,000 | 13,392,000 | 13,691,000 |
| Risk-weighted assets | 89,491,000 | 96,950,000 | 97,378,000 | 101,025,000 |
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