Call reports 2015
BELGRADE STATE BANK — 2015
What BELGRADE 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 | 227,477,000 | 232,212,000 | 228,809,000 | 232,069,000 |
| Total loans | 173,967,000 | 176,570,000 | 174,704,000 | 178,968,000 |
| Allowance for loan losses | 2,510,000 | 2,448,000 | 2,048,000 | 1,072,000 |
| Securities available for sale | 30,222,000 | 30,046,000 | 27,063,000 | 28,308,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,341,000 | 209,031,000 | 204,836,000 | 209,401,000 |
| Interest-bearing deposits | 176,880,000 | 179,359,000 | 176,433,000 | 174,358,000 |
| Noninterest-bearing deposits | 27,461,000 | 29,672,000 | 28,403,000 | 35,043,000 |
| Equity capital | 21,849,000 | 21,945,000 | 22,749,000 | 21,594,000 |
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 | 2,411,000 | 4,860,000 | 7,329,000 | 9,831,000 |
| Interest expense | 246,000 | 483,000 | 711,000 | 933,000 |
| Net interest income | 2,165,000 | 4,377,000 | 6,618,000 | 8,898,000 |
| Noninterest income | 754,000 | 1,594,000 | 2,520,000 | 3,351,000 |
| Noninterest expense | 2,179,000 | 4,433,000 | 6,691,000 | 8,948,000 |
| Provision for loan losses | 134,000 | 252,000 | 377,000 | 467,000 |
| Pretax income | 606,000 | 1,286,000 | 2,070,000 | 2,843,000 |
| Income tax | 197,000 | 414,000 | 640,000 | 886,000 |
| Net income | 409,000 | 872,000 | 1,430,000 | 1,957,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,744,000 | 22,206,000 | 22,765,000 | 21,541,000 |
| Total capital | 23,745,000 | 24,218,000 | 24,785,000 | 22,613,000 |
| Risk-weighted assets | 159,591,000 | 160,525,000 | 161,604,000 | 164,023,000 |