Call reports 2015
FLORENCE BANK — 2015
What FLORENCE 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 | 1,107,341,000 | 1,119,865,000 | 1,151,064,000 | 1,193,334,000 |
| Total loans | 833,514,000 | 863,957,000 | 902,430,000 | 921,670,000 |
| Allowance for loan losses | 5,460,000 | 5,425,000 | 5,375,000 | 5,280,000 |
| Securities available for sale | 95,636,000 | 97,166,000 | 93,459,000 | 100,227,000 |
| Securities held to maturity | 79,650,000 | 76,586,000 | 76,562,000 | 83,515,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 928,477,000 | 943,931,000 | 955,405,000 | 1,002,997,000 |
| Interest-bearing deposits | 756,317,000 | 763,069,000 | 770,894,000 | 802,690,000 |
| Noninterest-bearing deposits | 172,160,000 | 180,862,000 | 184,511,000 | 200,307,000 |
| Equity capital | 112,311,000 | 113,790,000 | 115,940,000 | 117,189,000 |
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 | 9,430,000 | 18,972,000 | 28,878,000 | 39,204,000 |
| Interest expense | 1,067,000 | 2,086,000 | 3,133,000 | 4,233,000 |
| Net interest income | 8,363,000 | 16,886,000 | 25,745,000 | 34,971,000 |
| Noninterest income | 1,709,000 | 3,549,000 | 5,465,000 | 7,439,000 |
| Noninterest expense | 7,846,000 | 15,383,000 | 23,055,000 | 30,997,000 |
| Provision for loan losses | 13,000 | 30,000 | 54,000 | 83,000 |
| Pretax income | 2,213,000 | 5,022,000 | 8,101,000 | 11,330,000 |
| Income tax | 802,000 | 1,838,000 | 2,979,000 | 4,174,000 |
| Net income | 1,411,000 | 3,184,000 | 5,122,000 | 7,156,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 113,886,000 | 115,659,000 | 117,597,000 | 119,631,000 |
| Total capital | 119,378,000 | 121,118,000 | 123,004,000 | 124,942,000 |
| Risk-weighted assets | 730,635,000 | 757,678,000 | 787,830,000 | 808,518,000 |