Call reports 2015
SAVOY BANK — 2015
What SAVOY 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 | 141,374,000 | 154,040,000 | 173,490,000 | 187,758,000 |
| Total loans | 110,525,000 | 121,070,000 | 127,552,000 | 150,368,000 |
| Allowance for loan losses | 2,267,000 | 2,291,000 | 2,444,000 | 2,444,000 |
| Securities available for sale | 6,111,000 | 4,863,000 | 4,240,000 | 3,839,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,987,000 | 137,256,000 | 155,726,000 | 164,994,000 |
| Interest-bearing deposits | 93,796,000 | 107,231,000 | 116,536,000 | 130,994,000 |
| Noninterest-bearing deposits | 34,191,000 | 30,025,000 | 39,190,000 | 34,000,000 |
| Equity capital | 12,743,000 | 16,117,000 | 16,847,000 | 21,900,000 |
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 | 1,670,000 | 3,431,000 | 5,464,000 | 7,823,000 |
| Interest expense | 184,000 | 390,000 | 626,000 | 901,000 |
| Net interest income | 1,486,000 | 3,041,000 | 4,838,000 | 6,922,000 |
| Noninterest income | 26,000 | 433,000 | 1,106,000 | 1,429,000 |
| Noninterest expense | 1,231,000 | 2,519,000 | 3,844,000 | 5,352,000 |
| Provision for loan losses | 108,000 | 131,000 | 529,000 | 529,000 |
| Pretax income | 173,000 | 824,000 | 1,525,000 | 2,521,000 |
| Income tax | 6,000 | 12,000 | 25,000 | -3,968,000 |
| Net income | 167,000 | 812,000 | 1,500,000 | 6,489,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,628,000 | 16,049,000 | 16,736,000 | 17,879,000 |
| Total capital | 14,034,000 | 17,562,000 | 18,429,000 | 19,780,000 |
| Risk-weighted assets | 111,622,000 | 120,214,000 | 134,669,000 | 149,174,000 |