Call reports 2015
PENDER STATE BANK — 2015
What PENDER STATE 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 |
|---|---|---|---|
| Total assets | 162,915,000 | 167,456,000 | 169,326,000 |
| Total loans | 120,047,000 | 127,668,000 | 131,269,000 |
| Allowance for loan losses | 1,278,000 | 1,283,000 | 1,284,000 |
| Securities available for sale | 20,111,000 | 19,721,000 | 19,004,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 139,137,000 | 137,702,000 | 142,477,000 |
| Interest-bearing deposits | 124,491,000 | 122,483,000 | 127,873,000 |
| Noninterest-bearing deposits | 14,646,000 | 15,219,000 | 14,604,000 |
| Equity capital | 21,105,000 | 21,267,000 | 21,441,000 |
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 |
|---|---|---|---|
| Interest income | 1,499,000 | 3,083,000 | 4,790,000 |
| Interest expense | 278,000 | 563,000 | 849,000 |
| Net interest income | 1,221,000 | 2,520,000 | 3,941,000 |
| Noninterest income | 40,000 | 76,000 | 111,000 |
| Noninterest expense | 588,000 | 1,178,000 | 1,761,000 |
| Provision for loan losses | 0 | 0 | 0 |
| Pretax income | 673,000 | 1,418,000 | 2,291,000 |
| Income tax | 16,000 | 32,000 | 51,000 |
| Net income | 657,000 | 1,386,000 | 2,240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 |
|---|---|---|---|
| Tier 1 capital | 14,612,000 | 14,750,000 | 14,898,000 |
| Total capital | 15,890,000 | 16,033,000 | 16,182,000 |
| Risk-weighted assets | 134,927,000 | 141,532,000 | 148,097,000 |