Call reports 2015
FIRST STATE BANK OF SAUK CENTRE — 2015
What FIRST STATE BANK OF SAUK CENTRE 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 | 94,553,000 | 91,468,000 | 90,391,000 | 95,871,000 |
| Total loans | 43,308,000 | 45,044,000 | 45,394,000 | 48,463,000 |
| Allowance for loan losses | 269,000 | 272,000 | 510,000 | 513,000 |
| Securities available for sale | 32,511,000 | 32,181,000 | 30,190,000 | 29,002,000 |
| Securities held to maturity | 920,000 | 920,000 | 920,000 | 920,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,629,000 | 79,422,000 | 77,931,000 | 83,397,000 |
| Interest-bearing deposits | 72,884,000 | 71,077,000 | 69,888,000 | 73,087,000 |
| Noninterest-bearing deposits | 9,745,000 | 8,345,000 | 8,043,000 | 10,310,000 |
| Equity capital | 11,777,000 | 11,895,000 | 12,298,000 | 12,375,000 |
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 | 696,000 | 1,411,000 | 2,447,000 | 3,199,000 |
| Interest expense | 75,000 | 148,000 | 220,000 | 297,000 |
| Net interest income | 621,000 | 1,263,000 | 2,227,000 | 2,902,000 |
| Noninterest income | 45,000 | 88,000 | 149,000 | 196,000 |
| Noninterest expense | 439,000 | 899,000 | 1,385,000 | 1,876,000 |
| Provision for loan losses | 0 | 0 | 235,000 | 235,000 |
| Pretax income | 227,000 | 452,000 | 756,000 | 987,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 227,000 | 452,000 | 756,000 | 987,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,140,000 | 10,381,000 | 10,701,000 | 10,944,000 |
| Total capital | 10,409,000 | 10,653,000 | 11,211,000 | 11,457,000 |
| Risk-weighted assets | 48,059,000 | 49,436,000 | 50,059,000 | 52,694,000 |