Call reports 2015
BANK OF O'FALLON — 2015
What BANK OF O'FALLON 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 | 297,295,000 | 296,920,000 | 286,791,000 | 296,081,000 |
| Total loans | 196,979,000 | 196,280,000 | 196,841,000 | 196,826,000 |
| Allowance for loan losses | 3,187,000 | 3,222,000 | 3,211,000 | 3,380,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 78,946,000 | 80,824,000 | 74,503,000 | 77,372,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 257,109,000 | 256,268,000 | 246,364,000 | 255,642,000 |
| Interest-bearing deposits | 228,651,000 | 226,914,000 | 217,567,000 | 225,471,000 |
| Noninterest-bearing deposits | 28,458,000 | 29,354,000 | 28,797,000 | 30,171,000 |
| Equity capital | 39,642,000 | 40,115,000 | 39,895,000 | 39,866,000 |
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 | 2,250,000 | 4,493,000 | 6,742,000 | 9,004,000 |
| Interest expense | 359,000 | 727,000 | 1,094,000 | 1,467,000 |
| Net interest income | 1,891,000 | 3,766,000 | 5,648,000 | 7,537,000 |
| Noninterest income | 80,000 | 160,000 | 243,000 | 318,000 |
| Noninterest expense | 973,000 | 1,936,000 | 2,978,000 | 4,294,000 |
| Provision for loan losses | 15,000 | 50,000 | 60,000 | 280,000 |
| Pretax income | 983,000 | 1,940,000 | 2,853,000 | 3,281,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 983,000 | 1,940,000 | 2,853,000 | 3,281,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,642,000 | 40,115,000 | 39,895,000 | 39,866,000 |
| Total capital | 41,568,000 | 42,001,000 | 41,766,000 | 41,733,000 |
| Risk-weighted assets | 152,847,000 | 149,514,000 | 148,305,000 | 147,857,000 |