Call reports 2015
STATE BANK OF EWEN, THE — 2015
What STATE BANK OF EWEN, 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 | 59,428,000 | 57,715,000 | 60,362,000 | 60,329,000 |
| Total loans | 19,864,000 | 19,796,000 | 20,398,000 | 20,594,000 |
| Allowance for loan losses | 628,000 | 656,000 | 660,000 | 646,000 |
| Securities available for sale | 27,382,000 | 27,742,000 | 29,402,000 | 29,232,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,017,000 | 47,826,000 | 50,184,000 | 50,117,000 |
| Interest-bearing deposits | 44,980,000 | 43,947,000 | 46,053,000 | 46,079,000 |
| Noninterest-bearing deposits | 4,037,000 | 3,879,000 | 4,131,000 | 4,038,000 |
| Equity capital | 9,993,000 | 9,680,000 | 9,923,000 | 9,989,000 |
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 | 580,000 | 1,165,000 | 1,766,000 | 2,373,000 |
| Interest expense | 92,000 | 186,000 | 282,000 | 378,000 |
| Net interest income | 488,000 | 979,000 | 1,484,000 | 1,995,000 |
| Noninterest income | 35,000 | 63,000 | 97,000 | 132,000 |
| Noninterest expense | 326,000 | 661,000 | 1,012,000 | 1,379,000 |
| Provision for loan losses | 15,000 | 25,000 | 30,000 | 30,000 |
| Pretax income | 182,000 | 364,000 | 539,000 | 722,000 |
| Income tax | 11,000 | 48,000 | 65,000 | 70,000 |
| Net income | 171,000 | 316,000 | 474,000 | 652,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,379,000 | 9,188,000 | 9,312,000 | 9,340,000 |
| Total capital | 9,765,000 | 9,492,000 | 9,632,000 | 9,684,000 |
| Risk-weighted assets | 29,769,000 | 26,390,000 | 28,087,000 | 27,699,000 |