Call reports 2015
READLYN SAVINGS BANK, THE — 2015
What READLYN SAVINGS BANK, THE 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 | 72,619,000 | 73,147,000 | 72,095,000 | 72,654,000 |
| Total loans | 44,250,000 | 44,846,000 | 44,629,000 | 45,301,000 |
| Allowance for loan losses | 428,000 | 463,000 | 463,000 | 463,000 |
| Securities available for sale | 26,932,000 | 25,507,000 | 25,515,000 | 24,812,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,256,000 | 54,194,000 | 53,226,000 | 53,055,000 |
| Interest-bearing deposits | 45,907,000 | 47,351,000 | 46,781,000 | 45,637,000 |
| Noninterest-bearing deposits | 7,349,000 | 6,843,000 | 6,445,000 | 7,418,000 |
| Equity capital | 9,130,000 | 8,835,000 | 9,252,000 | 9,377,000 |
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 | 749,000 | 1,521,000 | 2,284,000 | 3,039,000 |
| Interest expense | 205,000 | 408,000 | 608,000 | 799,000 |
| Net interest income | 544,000 | 1,113,000 | 1,676,000 | 2,240,000 |
| Noninterest income | 17,000 | 39,000 | 58,000 | 75,000 |
| Noninterest expense | 284,000 | 569,000 | 824,000 | 1,110,000 |
| Provision for loan losses | 10,000 | 45,000 | 45,000 | 45,000 |
| Pretax income | 282,000 | 559,000 | 888,000 | 1,184,000 |
| Income tax | 12,000 | 24,000 | 36,000 | 59,000 |
| Net income | 270,000 | 535,000 | 852,000 | 1,125,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,555,000 | 8,671,000 | 8,837,000 | 8,961,000 |
| Total capital | 8,983,000 | 9,134,000 | 9,300,000 | 9,424,000 |
| Risk-weighted assets | 52,396,000 | 53,025,000 | 53,152,000 | 53,844,000 |