Call reports 2015
SOLON STATE BANK — 2015
What SOLON 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 | 88,852,000 | 87,905,000 | 90,172,000 | 92,451,000 |
| Total loans | 55,818,000 | 55,618,000 | 54,996,000 | 55,850,000 |
| Allowance for loan losses | 722,000 | 790,000 | 844,000 | 642,000 |
| Securities available for sale | 28,471,000 | 27,014,000 | 29,123,000 | 29,993,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,255,000 | 64,161,000 | 66,714,000 | 68,346,000 |
| Interest-bearing deposits | 51,428,000 | 49,953,000 | 52,782,000 | 52,473,000 |
| Noninterest-bearing deposits | 13,827,000 | 14,208,000 | 13,932,000 | 15,873,000 |
| Equity capital | 21,419,000 | 20,699,000 | 21,321,000 | 21,430,000 |
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 | 1,056,000 | 2,191,000 | 3,408,000 | 4,593,000 |
| Interest expense | 71,000 | 140,000 | 211,000 | 280,000 |
| Net interest income | 985,000 | 2,051,000 | 3,197,000 | 4,313,000 |
| Noninterest income | 127,000 | 272,000 | 438,000 | 587,000 |
| Noninterest expense | 568,000 | 1,096,000 | 1,650,000 | 2,343,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 469,000 | 1,079,000 | 1,762,000 | 2,259,000 |
| Income tax | 19,000 | 36,000 | 52,000 | 113,000 |
| Net income | 450,000 | 1,043,000 | 1,710,000 | 2,146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,824,000 | 19,761,000 | 20,101,000 | 20,209,000 |
| Total capital | 20,546,000 | 20,551,000 | 20,931,000 | 20,851,000 |
| Risk-weighted assets | 66,569,000 | 66,415,000 | 66,410,000 | 66,968,000 |