Call reports 2015
FOX RIVER STATE BANK — 2015
What FOX RIVER STATE 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 | 71,347,000 | 78,135,000 | 82,203,000 | 77,947,000 |
| Total loans | 51,680,000 | 51,777,000 | 54,787,000 | 57,798,000 |
| Allowance for loan losses | 1,629,000 | 1,537,000 | 1,374,000 | 1,392,000 |
| Securities available for sale | 6,281,000 | 7,505,000 | 8,776,000 | 8,301,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,718,000 | 67,458,000 | 70,752,000 | 67,175,000 |
| Interest-bearing deposits | 49,519,000 | 49,452,000 | 49,586,000 | 50,316,000 |
| Noninterest-bearing deposits | 11,199,000 | 18,006,000 | 21,166,000 | 16,859,000 |
| Equity capital | 10,452,000 | 10,413,000 | 10,490,000 | 10,624,000 |
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 | 573,000 | 1,231,000 | 1,948,000 | 2,665,000 |
| Interest expense | 59,000 | 116,000 | 201,000 | 267,000 |
| Net interest income | 514,000 | 1,115,000 | 1,747,000 | 2,398,000 |
| Noninterest income | 20,000 | -56,000 | -32,000 | -79,000 |
| Noninterest expense | 587,000 | 1,152,000 | 1,739,000 | 2,246,000 |
| Provision for loan losses | -110,000 | -160,000 | -200,000 | -200,000 |
| Pretax income | 57,000 | 70,000 | 179,000 | 276,000 |
| Income tax | 22,000 | 27,000 | 70,000 | 2,000 |
| Net income | 35,000 | 43,000 | 109,000 | 274,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,980,000 | 6,995,000 | 7,103,000 | 7,080,000 |
| Total capital | 7,658,000 | 7,680,000 | 7,810,000 | 7,819,000 |
| Risk-weighted assets | 51,243,000 | 51,957,000 | 53,942,000 | 56,400,000 |