Call reports 2015
S BANK — 2015
What S 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 | 97,433,000 | 94,374,000 | 98,775,000 | 105,348,000 |
| Total loans | 59,838,000 | 61,387,000 | 69,130,000 | 74,676,000 |
| Allowance for loan losses | 1,268,000 | 1,309,000 | 1,371,000 | 1,454,000 |
| Securities available for sale | 14,068,000 | 13,471,000 | 13,637,000 | 13,273,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,300,000 | 84,132,000 | 85,387,000 | 89,347,000 |
| Interest-bearing deposits | 75,152,000 | 70,662,000 | 72,718,000 | 74,564,000 |
| Noninterest-bearing deposits | 12,148,000 | 13,470,000 | 12,669,000 | 14,783,000 |
| Equity capital | 9,696,000 | 9,558,000 | 10,013,000 | 10,165,000 |
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 | 973,000 | 2,108,000 | 3,548,000 | 4,913,000 |
| Interest expense | 150,000 | 279,000 | 383,000 | 486,000 |
| Net interest income | 823,000 | 1,829,000 | 3,165,000 | 4,427,000 |
| Noninterest income | 164,000 | 350,000 | 487,000 | 707,000 |
| Noninterest expense | 1,250,000 | 2,469,000 | 3,591,000 | 4,822,000 |
| Provision for loan losses | 60,000 | 100,000 | 140,000 | 200,000 |
| Pretax income | -323,000 | -389,000 | -78,000 | 113,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -323,000 | -389,000 | -78,000 | 113,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,108,000 | 8,043,000 | 8,354,000 | 8,582,000 |
| Total capital | 8,929,000 | 8,896,000 | 9,293,000 | 9,601,000 |
| Risk-weighted assets | 64,213,000 | 66,799,000 | 73,727,000 | 80,094,000 |