Call reports 2015
BROWN COUNTY STATE BANK — 2015
What BROWN COUNTY 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 | 95,477,000 | 98,648,000 | 102,117,000 | 104,145,000 |
| Total loans | 65,862,000 | 67,942,000 | 68,924,000 | 76,560,000 |
| Allowance for loan losses | 1,128,000 | 1,113,000 | 1,165,000 | 1,185,000 |
| Securities available for sale | 13,982,000 | 17,887,000 | 16,351,000 | 16,544,000 |
| Securities held to maturity | 1,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,186,000 | 70,721,000 | 74,476,000 | 71,385,000 |
| Interest-bearing deposits | 56,013,000 | 54,495,000 | 54,681,000 | 54,694,000 |
| Noninterest-bearing deposits | 15,173,000 | 16,226,000 | 19,795,000 | 16,691,000 |
| Equity capital | 11,311,000 | 11,508,000 | 11,869,000 | 12,225,000 |
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 | 826,000 | 1,683,000 | 2,549,000 | 3,411,000 |
| Interest expense | 129,000 | 282,000 | 439,000 | 597,000 |
| Net interest income | 697,000 | 1,401,000 | 2,110,000 | 2,814,000 |
| Noninterest income | 297,000 | 531,000 | 788,000 | 1,023,000 |
| Noninterest expense | 543,000 | 1,060,000 | 1,632,000 | 2,160,000 |
| Provision for loan losses | 0 | 0 | 45,000 | 75,000 |
| Pretax income | 487,000 | 908,000 | 1,308,000 | 1,804,000 |
| Income tax | 10,000 | 16,000 | 22,000 | 28,000 |
| Net income | 477,000 | 892,000 | 1,286,000 | 1,776,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,703,000 | 9,995,000 | 10,266,000 | 10,765,000 |
| Total capital | 10,536,000 | 10,870,000 | 11,166,000 | 11,760,000 |
| Risk-weighted assets | 66,392,000 | 69,763,000 | 71,729,000 | 79,447,000 |