Call reports 2015
FIRST STATE BANK OF BEECHER CITY — 2015
What FIRST STATE BANK OF BEECHER CITY 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 | 77,048,000 | 69,399,000 | 69,031,000 | 68,802,000 |
| Total loans | 50,820,000 | 52,818,000 | 56,600,000 | 54,737,000 |
| Allowance for loan losses | 926,000 | 930,000 | 914,000 | 960,000 |
| Securities available for sale | 12,760,000 | 8,749,000 | 7,941,000 | 6,608,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,861,000 | 58,928,000 | 58,260,000 | 57,717,000 |
| Interest-bearing deposits | 58,257,000 | 51,143,000 | 50,440,000 | 49,335,000 |
| Noninterest-bearing deposits | 8,604,000 | 7,785,000 | 7,820,000 | 8,382,000 |
| Equity capital | 10,077,000 | 10,351,000 | 10,689,000 | 10,931,000 |
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 | 816,000 | 1,636,000 | 2,513,000 | 3,380,000 |
| Interest expense | 89,000 | 179,000 | 268,000 | 354,000 |
| Net interest income | 727,000 | 1,457,000 | 2,245,000 | 3,026,000 |
| Noninterest income | 78,000 | 163,000 | 251,000 | 335,000 |
| Noninterest expense | 405,000 | 815,000 | 1,226,000 | 1,716,000 |
| Provision for loan losses | 0 | 0 | 0 | 110,000 |
| Pretax income | 400,000 | 805,000 | 1,270,000 | 1,535,000 |
| Income tax | 20,000 | 20,000 | 20,000 | 20,000 |
| Net income | 380,000 | 785,000 | 1,250,000 | 1,515,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,025,000 | 10,299,000 | 10,634,000 | 10,899,000 |
| Total capital | 10,679,000 | 10,963,000 | 11,338,000 | 11,594,000 |
| Risk-weighted assets | 52,085,000 | 52,878,000 | 56,161,000 | 55,341,000 |