Call reports 2015
POTTER STATE BANK OF POTTER, THE — 2015
What POTTER STATE BANK OF POTTER, THE 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 | 36,863,000 | 38,544,000 | 39,323,000 | 37,717,000 |
| Total loans | 15,428,000 | 17,910,000 | 19,050,000 | 18,863,000 |
| Allowance for loan losses | 207,000 | 207,000 | 207,000 | 211,000 |
| Securities available for sale | 3,642,000 | 2,973,000 | 2,386,000 | 2,718,000 |
| Securities held to maturity | 6,425,000 | 6,455,000 | 6,349,000 | 6,306,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,169,000 | 33,755,000 | 32,389,000 | 32,771,000 |
| Interest-bearing deposits | 27,113,000 | 28,495,000 | 27,651,000 | 27,290,000 |
| Noninterest-bearing deposits | 5,056,000 | 5,260,000 | 4,738,000 | 5,481,000 |
| Equity capital | 4,442,000 | 4,510,000 | 4,603,000 | 4,659,000 |
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 | 305,000 | 647,000 | 1,007,000 | 1,359,000 |
| Interest expense | 32,000 | 62,000 | 93,000 | 125,000 |
| Net interest income | 273,000 | 585,000 | 914,000 | 1,234,000 |
| Noninterest income | 26,000 | 51,000 | 78,000 | 109,000 |
| Noninterest expense | 256,000 | 500,000 | 737,000 | 1,018,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 43,000 | 136,000 | 255,000 | 325,000 |
| Income tax | 2,000 | 17,000 | 47,000 | 52,000 |
| Net income | 41,000 | 119,000 | 208,000 | 273,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,427,000 | 4,504,000 | 4,593,000 | 4,658,000 |
| Total capital | 4,634,000 | 4,711,000 | 4,800,000 | 4,869,000 |
| Risk-weighted assets | 22,478,000 | 26,261,000 | 27,993,000 | 27,158,000 |