Call reports 2015
STANDING STONE BANK — 2015
What STANDING STONE 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 | 99,209,000 | 100,398,000 | 103,031,000 | 101,760,000 |
| Total loans | 55,428,000 | 59,405,000 | 60,531,000 | 59,100,000 |
| Allowance for loan losses | 574,000 | 613,000 | 631,000 | 665,000 |
| Securities available for sale | 26,399,000 | 25,914,000 | 24,597,000 | 24,748,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,766,000 | 83,394,000 | 85,050,000 | 83,215,000 |
| Interest-bearing deposits | 68,417,000 | 67,142,000 | 67,969,000 | 65,783,000 |
| Noninterest-bearing deposits | 14,349,000 | 16,252,000 | 17,081,000 | 17,432,000 |
| Equity capital | 7,553,000 | 7,163,000 | 7,376,000 | 7,362,000 |
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 | 829,000 | 1,743,000 | 2,651,000 | 3,530,000 |
| Interest expense | 79,000 | 166,000 | 257,000 | 352,000 |
| Net interest income | 750,000 | 1,577,000 | 2,394,000 | 3,178,000 |
| Noninterest income | 183,000 | -36,000 | 175,000 | 355,000 |
| Noninterest expense | 912,000 | 1,885,000 | 2,854,000 | 3,790,000 |
| Provision for loan losses | 0 | 10,000 | 15,000 | 20,000 |
| Pretax income | 43,000 | -313,000 | -216,000 | -133,000 |
| Income tax | -2,000 | -145,000 | -150,000 | -148,000 |
| Net income | 45,000 | -168,000 | -66,000 | 15,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,394,000 | 7,180,000 | 7,282,000 | 7,364,000 |
| Total capital | 7,968,000 | 7,793,000 | 7,913,000 | 8,029,000 |
| Risk-weighted assets | 61,033,000 | 63,967,000 | 65,564,000 | 64,093,000 |