Call reports 2015
BRIGHTON BANK — 2015
What BRIGHTON 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 | 55,577,000 | 51,574,000 | 52,718,000 | 53,850,000 |
| Total loans | 36,576,000 | 39,560,000 | 42,144,000 | 43,742,000 |
| Allowance for loan losses | 460,000 | 462,000 | 617,000 | 677,000 |
| Securities available for sale | 5,658,000 | 4,488,000 | 4,337,000 | 4,251,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,563,000 | 48,578,000 | 49,877,000 | 51,233,000 |
| Interest-bearing deposits | 41,217,000 | 38,225,000 | 39,668,000 | 39,748,000 |
| Noninterest-bearing deposits | 11,346,000 | 10,353,000 | 10,209,000 | 11,485,000 |
| Equity capital | 2,843,000 | 2,786,000 | 2,635,000 | 2,430,000 |
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 | 499,000 | 1,028,000 | 1,539,000 | 2,102,000 |
| Interest expense | 70,000 | 130,000 | 186,000 | 244,000 |
| Net interest income | 429,000 | 898,000 | 1,353,000 | 1,858,000 |
| Noninterest income | 94,000 | 201,000 | 353,000 | 502,000 |
| Noninterest expense | 566,000 | 1,150,000 | 1,754,000 | 2,533,000 |
| Provision for loan losses | 30,000 | 30,000 | 191,000 | 251,000 |
| Pretax income | -73,000 | -81,000 | -211,000 | -396,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -73,000 | -81,000 | -211,000 | -396,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,760,000 | 2,752,000 | 2,623,000 | 2,430,000 |
| Total capital | 3,220,000 | 3,214,000 | 3,073,000 | 2,884,000 |
| Risk-weighted assets | 38,232,000 | 38,098,000 | 35,794,000 | 36,127,000 |