Call reports 2015
STATE BANK OF DOWNS — 2015
What STATE BANK OF DOWNS 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 | 99,818,000 | 98,351,000 | 94,784,000 | 94,751,000 |
| Total loans | 73,412,000 | 78,352,000 | 78,818,000 | 77,334,000 |
| Allowance for loan losses | 825,000 | 825,000 | 825,000 | 875,000 |
| Securities available for sale | 298,000 | 397,000 | 400,000 | 400,000 |
| Securities held to maturity | 5,664,000 | 5,514,000 | 5,453,000 | 5,437,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,187,000 | 84,311,000 | 79,627,000 | 80,746,000 |
| Interest-bearing deposits | 60,506,000 | 58,152,000 | 56,465,000 | 56,930,000 |
| Noninterest-bearing deposits | 25,681,000 | 26,159,000 | 23,162,000 | 23,816,000 |
| Equity capital | 9,064,000 | 9,464,000 | 9,544,000 | 9,479,000 |
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 | 1,065,000 | 2,159,000 | 3,264,000 | 4,384,000 |
| Interest expense | 136,000 | 268,000 | 399,000 | 528,000 |
| Net interest income | 929,000 | 1,891,000 | 2,865,000 | 3,856,000 |
| Noninterest income | 26,000 | 52,000 | 77,000 | 99,000 |
| Noninterest expense | 608,000 | 1,198,000 | 1,799,000 | 2,539,000 |
| Provision for loan losses | 0 | 0 | 0 | 181,000 |
| Pretax income | 347,000 | 745,000 | 1,143,000 | 1,235,000 |
| Income tax | 4,000 | 2,000 | 10,000 | 10,000 |
| Net income | 343,000 | 743,000 | 1,133,000 | 1,225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,064,000 | 9,464,000 | 9,544,000 | 9,479,000 |
| Total capital | 9,889,000 | 10,289,000 | 10,369,000 | 10,354,000 |
| Risk-weighted assets | 80,312,000 | 81,273,000 | 80,392,000 | 78,899,000 |