Call reports 2015
LOCAL BANK — 2015
What LOCAL 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 | 16,102,000 | 16,505,000 | 16,465,000 | 16,591,000 |
| Total loans | 5,845,000 | 6,080,000 | 5,977,000 | 5,889,000 |
| Allowance for loan losses | 85,000 | 88,000 | 87,000 | 68,000 |
| Securities available for sale | 5,297,000 | 4,785,000 | 4,802,000 | 5,035,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,181,000 | 14,531,000 | 14,420,000 | 14,692,000 |
| Interest-bearing deposits | 10,010,000 | 9,994,000 | 9,925,000 | 9,973,000 |
| Noninterest-bearing deposits | 4,171,000 | 4,537,000 | 4,495,000 | 4,719,000 |
| Equity capital | 1,897,000 | 1,937,000 | 1,989,000 | 1,874,000 |
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 | 182,000 | 377,000 | 569,000 | 760,000 |
| Interest expense | 7,000 | 14,000 | 22,000 | 29,000 |
| Net interest income | 175,000 | 363,000 | 547,000 | 731,000 |
| Noninterest income | 19,000 | 36,000 | 58,000 | 77,000 |
| Noninterest expense | 148,000 | 288,000 | 436,000 | 593,000 |
| Provision for loan losses | 1,000 | 1,000 | 0 | 0 |
| Pretax income | 45,000 | 110,000 | 169,000 | 215,000 |
| Income tax | 13,000 | 28,000 | 42,000 | 55,000 |
| Net income | 32,000 | 82,000 | 127,000 | 160,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,899,000 | 1,951,000 | 1,992,000 | 1,888,000 |
| Total capital | 1,984,000 | 2,039,000 | 2,079,000 | 1,956,000 |
| Risk-weighted assets | 7,654,000 | 7,930,000 | 7,889,000 | 7,682,000 |