Call reports 2015
STATE BANK OF CERRO GORDO — 2015
What STATE BANK OF CERRO GORDO 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 | 26,043,000 | 25,064,000 | 28,587,000 | 27,096,000 |
| Total loans | 9,499,000 | 9,779,000 | 10,584,000 | 10,895,000 |
| Allowance for loan losses | 82,000 | 81,000 | 81,000 | 81,000 |
| Securities available for sale | 5,375,000 | 4,999,000 | 6,275,000 | 6,174,000 |
| Securities held to maturity | 4,786,000 | 4,274,000 | 4,272,000 | 4,210,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,003,000 | 21,065,000 | 24,547,000 | 23,052,000 |
| Interest-bearing deposits | 18,977,000 | 18,269,000 | 21,093,000 | 20,217,000 |
| Noninterest-bearing deposits | 3,026,000 | 2,796,000 | 3,454,000 | 2,835,000 |
| Equity capital | 3,967,000 | 3,949,000 | 3,978,000 | 3,981,000 |
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 | 191,000 | 382,000 | 575,000 | 778,000 |
| Interest expense | 7,000 | 14,000 | 23,000 | 31,000 |
| Net interest income | 184,000 | 368,000 | 552,000 | 747,000 |
| Noninterest income | 31,000 | 58,000 | 87,000 | 117,000 |
| Noninterest expense | 190,000 | 384,000 | 602,000 | 808,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 25,000 | 42,000 | 41,000 | 60,000 |
| Income tax | 1,000 | 2,000 | -14,000 | -18,000 |
| Net income | 24,000 | 40,000 | 55,000 | 78,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,442,000 | 3,459,000 | 3,473,000 | 3,467,000 |
| Total capital | 3,527,000 | 3,543,000 | 3,557,000 | 3,550,000 |
| Risk-weighted assets | 14,520,000 | 14,397,000 | 16,627,000 | 15,533,000 |