Call reports 2015
KAPLAN STATE BANK — 2015
What KAPLAN STATE 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 | 95,485,000 | 96,076,000 | 92,194,000 | 91,337,000 |
| Total loans | 30,109,000 | 32,160,000 | 33,376,000 | 30,807,000 |
| Allowance for loan losses | 366,000 | 363,000 | 358,000 | 348,000 |
| Securities available for sale | 51,145,000 | 50,549,000 | 47,458,000 | 45,331,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,700,000 | 78,267,000 | 73,998,000 | 73,166,000 |
| Interest-bearing deposits | 59,508,000 | 58,524,000 | 55,837,000 | 55,458,000 |
| Noninterest-bearing deposits | 18,192,000 | 19,743,000 | 18,160,000 | 17,708,000 |
| Equity capital | 13,959,000 | 13,758,000 | 13,986,000 | 14,240,000 |
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 | 795,000 | 1,626,000 | 2,452,000 | 3,282,000 |
| Interest expense | 40,000 | 80,000 | 123,000 | 165,000 |
| Net interest income | 755,000 | 1,546,000 | 2,329,000 | 3,117,000 |
| Noninterest income | 153,000 | 333,000 | 530,000 | 705,000 |
| Noninterest expense | 591,000 | 1,174,000 | 1,795,000 | 2,376,000 |
| Provision for loan losses | 0 | 0 | 0 | 11,000 |
| Pretax income | 317,000 | 705,000 | 1,064,000 | 1,435,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 317,000 | 705,000 | 1,064,000 | 1,435,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,154,000 | 12,288,000 | 12,510,000 | 12,881,000 |
| Total capital | 12,520,000 | 12,651,000 | 12,868,000 | 13,229,000 |
| Risk-weighted assets | 37,238,000 | 38,590,000 | 39,181,000 | 37,545,000 |