Call reports 2015
SANGER BANK — 2015
What SANGER 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 | 127,270,000 | 131,157,000 | 130,465,000 | 131,152,000 |
| Total loans | 67,204,000 | 70,158,000 | 69,564,000 | 70,756,000 |
| Allowance for loan losses | 671,000 | 681,000 | 691,000 | 690,000 |
| Securities available for sale | 8,715,000 | 10,009,000 | 9,894,000 | 9,524,000 |
| Securities held to maturity | 27,395,000 | 29,110,000 | 28,493,000 | 28,620,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,911,000 | 114,515,000 | 113,368,000 | 114,294,000 |
| Interest-bearing deposits | 84,365,000 | 85,409,000 | 84,114,000 | 86,345,000 |
| Noninterest-bearing deposits | 26,546,000 | 29,106,000 | 29,254,000 | 27,949,000 |
| Equity capital | 16,075,000 | 16,384,000 | 16,809,000 | 16,733,000 |
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 | 1,255,000 | 2,526,000 | 3,821,000 | 5,127,000 |
| Interest expense | 133,000 | 261,000 | 387,000 | 513,000 |
| Net interest income | 1,122,000 | 2,265,000 | 3,434,000 | 4,614,000 |
| Noninterest income | 132,000 | 279,000 | 443,000 | 599,000 |
| Noninterest expense | 805,000 | 1,644,000 | 2,492,000 | 3,417,000 |
| Provision for loan losses | 0 | 10,000 | 20,000 | 20,000 |
| Pretax income | 449,000 | 890,000 | 1,365,000 | 1,776,000 |
| Income tax | 92,000 | 180,000 | 267,000 | 347,000 |
| Net income | 357,000 | 710,000 | 1,098,000 | 1,429,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,949,000 | 16,302,000 | 16,690,000 | 16,646,000 |
| Total capital | 16,620,000 | 16,983,000 | 17,381,000 | 17,336,000 |
| Risk-weighted assets | 68,070,000 | 70,966,000 | 70,221,000 | 71,287,000 |