Call reports 2015
SOLUTIONS BANK — 2015
What SOLUTIONS 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 | 183,916,000 | 181,050,000 | 179,591,000 | 188,161,000 |
| Total loans | 118,416,000 | 115,410,000 | 111,834,000 | 115,675,000 |
| Allowance for loan losses | 1,196,000 | 1,224,000 | 1,224,000 | 858,000 |
| Securities available for sale | 51,080,000 | 51,869,000 | 54,373,000 | 59,044,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,240,000 | 147,905,000 | 147,006,000 | 151,026,000 |
| Interest-bearing deposits | 130,414,000 | 130,768,000 | 131,523,000 | 133,290,000 |
| Noninterest-bearing deposits | 17,826,000 | 17,137,000 | 15,483,000 | 17,736,000 |
| Equity capital | 23,031,000 | 23,018,000 | 23,281,000 | 22,975,000 |
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 | 1,626,000 | 3,243,000 | 4,867,000 | 6,469,000 |
| Interest expense | 164,000 | 336,000 | 507,000 | 680,000 |
| Net interest income | 1,462,000 | 2,907,000 | 4,360,000 | 5,789,000 |
| Noninterest income | 79,000 | 270,000 | 431,000 | 704,000 |
| Noninterest expense | 1,014,000 | 2,075,000 | 2,993,000 | 4,242,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 225,000 |
| Pretax income | 585,000 | 1,116,000 | 1,811,000 | 2,093,000 |
| Income tax | 11,000 | 17,000 | 25,000 | 29,000 |
| Net income | 574,000 | 1,099,000 | 1,786,000 | 2,064,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,404,000 | 22,634,000 | 22,856,000 | 22,753,000 |
| Total capital | 23,600,000 | 23,858,000 | 24,080,000 | 23,611,000 |
| Risk-weighted assets | 129,126,000 | 125,209,000 | 122,549,000 | 127,378,000 |
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