Call reports 2015
YOUR COMMUNITY BANK — 2015
What YOUR COMMUNITY 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 | 1,485,029,000 | 1,436,835,000 | 1,568,597,000 | 1,549,647,000 |
| Total loans | 920,514,000 | 917,704,000 | 1,013,519,000 | 1,017,329,000 |
| Allowance for loan losses | 6,358,000 | 7,230,000 | 6,416,000 | 6,851,000 |
| Securities available for sale | 349,348,000 | 361,312,000 | 402,701,000 | 378,246,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,223,516,000 | 1,181,715,000 | 1,252,796,000 | 1,263,880,000 |
| Interest-bearing deposits | 967,141,000 | 919,560,000 | 968,620,000 | 975,325,000 |
| Noninterest-bearing deposits | 256,375,000 | 262,154,000 | 284,176,000 | 288,555,000 |
| Equity capital | 162,770,000 | 163,377,000 | 183,106,000 | 162,474,000 |
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 | 13,467,000 | 27,244,000 | 44,544,000 | 59,802,000 |
| Interest expense | 709,000 | 1,340,000 | 2,135,000 | 2,933,000 |
| Net interest income | 12,758,000 | 25,904,000 | 42,409,000 | 56,869,000 |
| Noninterest income | 2,093,000 | 4,767,000 | 8,926,000 | 11,487,000 |
| Noninterest expense | 13,108,000 | 22,327,000 | 36,133,000 | 46,987,000 |
| Provision for loan losses | 149,000 | 2,219,000 | 2,261,000 | 2,591,000 |
| Pretax income | 1,586,000 | 6,117,000 | 12,991,000 | 19,032,000 |
| Income tax | 181,000 | 904,000 | 2,143,000 | 3,389,000 |
| Net income | 1,405,000 | 5,213,000 | 10,848,000 | 15,643,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 144,025,000 | 149,024,000 | 169,177,000 | 148,680,000 |
| Total capital | 150,383,000 | 156,254,000 | 175,593,000 | 180,531,000 |
| Risk-weighted assets | 1,048,707,000 | 1,037,311,000 | 1,126,505,000 | 1,203,219,000 |