Call reports 2015
FOUNTAIN TRUST COMPANY, THE — 2015
What FOUNTAIN TRUST COMPANY, 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 | 276,038,000 | 276,973,000 | 274,552,000 | 281,904,000 |
| Total loans | 148,570,000 | 159,635,000 | 162,058,000 | 162,493,000 |
| Allowance for loan losses | 3,200,000 | 3,250,000 | 3,300,000 | 3,700,000 |
| Securities available for sale | 95,466,000 | 97,574,000 | 94,188,000 | 94,111,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 235,771,000 | 235,583,000 | 232,699,000 | 240,344,000 |
| Interest-bearing deposits | 185,614,000 | 187,041,000 | 182,461,000 | 182,899,000 |
| Noninterest-bearing deposits | 50,157,000 | 48,542,000 | 50,238,000 | 57,445,000 |
| Equity capital | 38,435,000 | 38,633,000 | 39,705,000 | 40,418,000 |
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 | 2,524,000 | 5,149,000 | 7,894,000 | 10,750,000 |
| Interest expense | 174,000 | 342,000 | 505,000 | 654,000 |
| Net interest income | 2,350,000 | 4,807,000 | 7,389,000 | 10,096,000 |
| Noninterest income | 496,000 | 1,070,000 | 1,625,000 | 2,190,000 |
| Noninterest expense | 2,009,000 | 4,058,000 | 5,965,000 | 7,831,000 |
| Provision for loan losses | 94,000 | 271,000 | 287,000 | 468,000 |
| Pretax income | 855,000 | 1,660,000 | 2,879,000 | 4,104,000 |
| Income tax | 266,000 | 506,000 | 913,000 | 1,183,000 |
| Net income | 589,000 | 1,154,000 | 1,966,000 | 2,921,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,338,000 | 37,832,000 | 38,572,000 | 39,238,000 |
| Total capital | 39,261,000 | 39,906,000 | 40,681,000 | 41,359,000 |
| Risk-weighted assets | 152,633,000 | 164,723,000 | 167,538,000 | 168,070,000 |