Call reports 2015
BANK AND TRUST, SSB, THE — 2015
What BANK AND TRUST, SSB, 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 | 435,855,000 | 430,925,000 | 425,526,000 | 433,733,000 |
| Total loans | 234,753,000 | 239,887,000 | 241,415,000 | 240,179,000 |
| Allowance for loan losses | 1,501,000 | 1,547,000 | 1,600,000 | 1,810,000 |
| Securities available for sale | 150,280,000 | 154,390,000 | 150,885,000 | 149,390,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 371,760,000 | 362,636,000 | 361,326,000 | 369,171,000 |
| Interest-bearing deposits | 258,349,000 | 250,712,000 | 245,678,000 | 251,484,000 |
| Noninterest-bearing deposits | 113,411,000 | 111,924,000 | 115,648,000 | 117,687,000 |
| Equity capital | 42,484,000 | 41,658,000 | 42,011,000 | 41,786,000 |
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 | 3,873,000 | 7,807,000 | 11,729,000 | 15,645,000 |
| Interest expense | 517,000 | 1,025,000 | 1,530,000 | 2,036,000 |
| Net interest income | 3,356,000 | 6,782,000 | 10,199,000 | 13,609,000 |
| Noninterest income | 1,486,000 | 2,932,000 | 4,371,000 | 6,214,000 |
| Noninterest expense | 3,396,000 | 6,628,000 | 9,945,000 | 13,504,000 |
| Provision for loan losses | 62,000 | 120,000 | 191,000 | 414,000 |
| Pretax income | 1,392,000 | 2,972,000 | 4,543,000 | 6,031,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,392,000 | 2,972,000 | 4,543,000 | 6,031,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,721,000 | 37,042,000 | 37,360,000 | 37,635,000 |
| Total capital | 38,222,000 | 38,589,000 | 38,960,000 | 39,445,000 |
| Risk-weighted assets | 210,436,000 | 191,401,000 | 191,485,000 | 189,759,000 |