Call reports 2015
BRIGHTON BANK — 2015
What BRIGHTON 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 | 189,727,000 | 185,024,000 | 189,513,000 | 188,170,000 |
| Total loans | 86,439,000 | 91,789,000 | 90,380,000 | 99,893,000 |
| Allowance for loan losses | 1,729,000 | 1,759,000 | 1,750,000 | 1,774,000 |
| Securities available for sale | 50,855,000 | 51,381,000 | 51,666,000 | 51,610,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,420,000 | 156,450,000 | 160,433,000 | 157,964,000 |
| Interest-bearing deposits | 98,350,000 | 95,784,000 | 95,215,000 | 95,111,000 |
| Noninterest-bearing deposits | 62,070,000 | 60,666,000 | 65,218,000 | 62,853,000 |
| Equity capital | 22,290,000 | 22,112,000 | 22,282,000 | 22,534,000 |
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 | 1,710,000 | 3,540,000 | 5,346,000 | 7,195,000 |
| Interest expense | 28,000 | 56,000 | 83,000 | 113,000 |
| Net interest income | 1,682,000 | 3,484,000 | 5,263,000 | 7,082,000 |
| Noninterest income | 345,000 | 689,000 | 1,049,000 | 1,375,000 |
| Noninterest expense | 1,408,000 | 2,773,000 | 4,098,000 | 5,392,000 |
| Provision for loan losses | 12,000 | 32,000 | 32,000 | 47,000 |
| Pretax income | 607,000 | 1,368,000 | 2,182,000 | 3,018,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 607,000 | 1,368,000 | 2,182,000 | 3,018,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,874,000 | 21,846,000 | 21,946,000 | 22,232,000 |
| Total capital | 23,197,000 | 23,216,000 | 23,300,000 | 23,668,000 |
| Risk-weighted assets | 105,459,000 | 109,212,000 | 107,960,000 | 114,611,000 |