Call reports 2015
SUNCREST BANK — 2015
What SUNCREST 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 | 195,125,000 | 205,451,000 | 218,036,000 | 296,884,000 |
| Total loans | 127,288,000 | 139,146,000 | 148,640,000 | 208,379,000 |
| Allowance for loan losses | 1,783,000 | 1,943,000 | 2,082,000 | 2,246,000 |
| Securities available for sale | 41,386,000 | 44,499,000 | 47,141,000 | 54,343,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,194,000 | 174,756,000 | 186,697,000 | 256,677,000 |
| Interest-bearing deposits | 115,547,000 | 117,771,000 | 128,237,000 | 172,613,000 |
| Noninterest-bearing deposits | 49,647,000 | 56,986,000 | 58,460,000 | 84,064,000 |
| Equity capital | 29,569,000 | 30,275,000 | 30,770,000 | 39,331,000 |
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 | 1,954,000 | 4,033,000 | 6,465,000 | 9,040,000 |
| Interest expense | 93,000 | 178,000 | 269,000 | 388,000 |
| Net interest income | 1,861,000 | 3,855,000 | 6,196,000 | 8,652,000 |
| Noninterest income | 51,000 | 113,000 | 213,000 | 758,000 |
| Noninterest expense | 1,492,000 | 3,057,000 | 4,870,000 | 7,250,000 |
| Provision for loan losses | 59,000 | 219,000 | 358,000 | 522,000 |
| Pretax income | 361,000 | 692,000 | 1,181,000 | 1,638,000 |
| Income tax | 165,000 | 343,000 | 537,000 | 729,000 |
| Net income | 196,000 | 349,000 | 644,000 | 909,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,008,000 | 29,871,000 | 30,215,000 | 39,103,000 |
| Total capital | 30,799,000 | 31,822,000 | 32,305,000 | 41,357,000 |
| Risk-weighted assets | 152,434,000 | 163,557,000 | 177,985,000 | 243,300,000 |