Call reports 2015
FIRST TRI-COUNTY BANK — 2015
What FIRST TRI-COUNTY 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 | 55,919,000 | 56,012,000 | 54,125,000 | 54,697,000 |
| Total loans | 39,586,000 | 41,472,000 | 43,943,000 | 45,896,000 |
| Allowance for loan losses | 283,000 | 296,000 | 298,000 | 311,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,845,000 | 4,789,000 | 4,785,000 | 4,272,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,946,000 | 50,068,000 | 48,092,000 | 47,259,000 |
| Interest-bearing deposits | 40,012,000 | 41,024,000 | 38,923,000 | 37,028,000 |
| Noninterest-bearing deposits | 9,934,000 | 9,044,000 | 9,169,000 | 10,231,000 |
| Equity capital | 5,713,000 | 5,673,000 | 5,752,000 | 5,653,000 |
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 | 478,000 | 980,000 | 1,502,000 | 2,051,000 |
| Interest expense | 34,000 | 69,000 | 104,000 | 139,000 |
| Net interest income | 444,000 | 911,000 | 1,398,000 | 1,912,000 |
| Noninterest income | 27,000 | 49,000 | 65,000 | 85,000 |
| Noninterest expense | 391,000 | 763,000 | 1,117,000 | 1,703,000 |
| Provision for loan losses | 0 | 10,000 | 10,000 | 30,000 |
| Pretax income | 80,000 | 187,000 | 336,000 | 264,000 |
| Income tax | 21,000 | 42,000 | 63,000 | 90,000 |
| Net income | 59,000 | 145,000 | 273,000 | 174,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,238,000 | 5,198,000 | 5,277,000 | 5,178,000 |
| Total capital | 5,521,000 | 5,494,000 | 5,575,000 | 5,489,000 |
| Risk-weighted assets | 40,276,000 | 41,277,000 | 42,351,000 | 43,960,000 |
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