Call reports 2015
SIDNEY FEDERAL SAVINGS AND LOAN ASSOCIATION — 2015
What SIDNEY FEDERAL SAVINGS AND LOAN ASSOCIATION 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 | 23,135,000 | 23,131,000 | 22,373,000 | 22,750,000 |
| Total loans | 7,060,000 | 7,013,000 | 7,365,000 | 8,544,000 |
| Allowance for loan losses | 77,000 | 84,000 | 88,000 | 88,000 |
| Securities available for sale | 13,895,000 | 13,512,000 | 12,795,000 | 12,032,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,643,000 | 19,751,000 | 19,073,000 | 18,905,000 |
| Interest-bearing deposits | 17,867,000 | 18,063,000 | 17,888,000 | 17,919,000 |
| Noninterest-bearing deposits | 1,776,000 | 1,688,000 | 1,185,000 | 986,000 |
| Equity capital | 2,324,000 | 2,250,000 | 2,171,000 | 1,931,000 |
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 | 156,000 | 305,000 | 471,000 | 632,000 |
| Interest expense | 29,000 | 56,000 | 85,000 | 113,000 |
| Net interest income | 127,000 | 249,000 | 386,000 | 519,000 |
| Noninterest income | 32,000 | 103,000 | 140,000 | -46,000 |
| Noninterest expense | 251,000 | 503,000 | 755,000 | 1,026,000 |
| Provision for loan losses | 0 | 7,000 | 17,000 | 17,000 |
| Pretax income | -92,000 | -158,000 | -246,000 | -570,000 |
| Income tax | -37,000 | -65,000 | -100,000 | -222,000 |
| Net income | -55,000 | -93,000 | -146,000 | -348,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,064,000 | 1,972,000 | 1,889,000 | 1,551,000 |
| Total capital | 2,141,000 | 2,056,000 | 1,973,000 | 1,639,000 |
| Risk-weighted assets | 6,477,000 | 6,676,000 | 6,678,000 | 7,103,000 |