Call reports 2015
NEW CARLISLE FEDERAL SAVINGS BANK — 2015
What NEW CARLISLE FEDERAL SAVINGS 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 | 88,268,000 | 84,857,000 | 85,255,000 | 84,955,000 |
| Total loans | 72,278,000 | 71,402,000 | 72,321,000 | 72,841,000 |
| Allowance for loan losses | 971,000 | 1,034,000 | 1,051,000 | 1,066,000 |
| Securities available for sale | 3,822,000 | 5,191,000 | 3,198,000 | 3,007,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,255,000 | 65,895,000 | 65,229,000 | 66,106,000 |
| Interest-bearing deposits | 58,004,000 | 53,190,000 | 52,854,000 | 52,848,000 |
| Noninterest-bearing deposits | 12,251,000 | 12,705,000 | 12,375,000 | 13,258,000 |
| Equity capital | 9,804,000 | 9,835,000 | 9,974,000 | 10,176,000 |
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 | 843,000 | 1,708,000 | 2,563,000 | 3,418,000 |
| Interest expense | 94,000 | 194,000 | 296,000 | 397,000 |
| Net interest income | 749,000 | 1,514,000 | 2,267,000 | 3,021,000 |
| Noninterest income | 197,000 | 405,000 | 736,000 | 1,132,000 |
| Noninterest expense | 892,000 | 1,784,000 | 2,644,000 | 3,467,000 |
| Provision for loan losses | 22,000 | 45,000 | 60,000 | 70,000 |
| Pretax income | 32,000 | 90,000 | 299,000 | 616,000 |
| Income tax | 15,000 | 38,000 | 113,000 | 225,000 |
| Net income | 17,000 | 52,000 | 186,000 | 391,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,804,000 | 9,839,000 | 9,973,000 | 10,178,000 |
| Total capital | 10,652,000 | 10,666,000 | 10,803,000 | 10,990,000 |
| Risk-weighted assets | 67,739,000 | 65,966,000 | 66,149,000 | 64,704,000 |