Call reports 2015
EASTERN COLORADO BANK, THE — 2015
What EASTERN COLORADO BANK, 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 | 339,667,000 | 343,463,000 | 351,797,000 | 349,758,000 |
| Total loans | 218,454,000 | 236,599,000 | 249,626,000 | 250,223,000 |
| Allowance for loan losses | 2,724,000 | 2,765,000 | 3,097,000 | 3,177,000 |
| Securities available for sale | 96,029,000 | 81,989,000 | 75,954,000 | 71,853,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 271,495,000 | 265,041,000 | 262,020,000 | 279,271,000 |
| Interest-bearing deposits | 196,936,000 | 196,300,000 | 194,490,000 | 205,938,000 |
| Noninterest-bearing deposits | 74,559,000 | 68,741,000 | 67,530,000 | 73,333,000 |
| Equity capital | 35,304,000 | 35,186,000 | 36,268,000 | 37,050,000 |
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 | 3,386,000 | 6,912,000 | 10,596,000 | 14,306,000 |
| Interest expense | 246,000 | 505,000 | 772,000 | 1,049,000 |
| Net interest income | 3,140,000 | 6,407,000 | 9,824,000 | 13,257,000 |
| Noninterest income | 227,000 | 467,000 | 703,000 | 958,000 |
| Noninterest expense | 2,089,000 | 4,201,000 | 6,335,000 | 8,713,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 336,000 |
| Pretax income | 1,203,000 | 2,698,000 | 4,148,000 | 5,345,000 |
| Income tax | 2,000 | 7,000 | 10,000 | 12,000 |
| Net income | 1,201,000 | 2,691,000 | 4,138,000 | 5,333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,173,000 | 31,878,000 | 32,541,000 | 33,031,000 |
| Total capital | 33,897,000 | 34,643,000 | 35,638,000 | 36,208,000 |
| Risk-weighted assets | 258,427,000 | 265,874,000 | 277,145,000 | 276,522,000 |