Call reports 2015
SPRATT SAVINGS BANK — 2015
What SPRATT 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 | 106,985,000 | 108,136,000 | 106,376,000 | 103,548,000 |
| Total loans | 31,976,000 | 30,754,000 | 30,915,000 | 30,839,000 |
| Allowance for loan losses | 1,190,000 | 1,172,000 | 1,172,000 | 1,172,000 |
| Securities available for sale | 19,289,000 | 18,975,000 | 21,078,000 | 21,566,000 |
| Securities held to maturity | 33,452,000 | 33,693,000 | 32,177,000 | 30,506,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,132,000 | 80,294,000 | 78,421,000 | 75,655,000 |
| Interest-bearing deposits | 72,295,000 | 72,858,000 | 72,796,000 | 71,867,000 |
| Noninterest-bearing deposits | 6,837,000 | 7,436,000 | 5,625,000 | 3,788,000 |
| Equity capital | 27,621,000 | 27,568,000 | 27,708,000 | 27,638,000 |
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 | 747,000 | 1,477,000 | 2,209,000 | 2,950,000 |
| Interest expense | 148,000 | 298,000 | 450,000 | 604,000 |
| Net interest income | 599,000 | 1,179,000 | 1,759,000 | 2,346,000 |
| Noninterest income | 35,000 | 85,000 | 132,000 | 205,000 |
| Noninterest expense | 533,000 | 1,094,000 | 1,678,000 | 2,261,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 170,000 | 240,000 | 288,000 | 340,000 |
| Income tax | 52,000 | 68,000 | 75,000 | 84,000 |
| Net income | 118,000 | 172,000 | 213,000 | 256,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,506,000 | 27,560,000 | 27,601,000 | 27,644,000 |
| Total capital | 28,021,000 | 28,056,000 | 28,103,000 | 28,142,000 |
| Risk-weighted assets | 40,604,000 | 39,021,000 | 39,554,000 | 39,235,000 |