Call reports 2015
COMMUNITY BANK OF EL DORADO SPRINGS — 2015
What COMMUNITY BANK OF EL DORADO SPRINGS 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 | 106,952,000 | 106,078,000 | 106,696,000 | 105,474,000 |
| Total loans | 41,986,000 | 43,290,000 | 44,329,000 | 45,414,000 |
| Allowance for loan losses | 1,089,000 | 1,113,000 | 1,139,000 | 1,148,000 |
| Securities available for sale | 56,193,000 | 52,392,000 | 55,238,000 | 53,201,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,579,000 | 90,454,000 | 90,612,000 | 89,313,000 |
| Interest-bearing deposits | 80,492,000 | 79,697,000 | 79,680,000 | 79,095,000 |
| Noninterest-bearing deposits | 10,087,000 | 10,757,000 | 10,932,000 | 10,218,000 |
| Equity capital | 15,989,000 | 15,487,000 | 16,021,000 | 16,096,000 |
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 | 858,000 | 1,748,000 | 2,646,000 | 3,570,000 |
| Interest expense | 109,000 | 216,000 | 317,000 | 417,000 |
| Net interest income | 749,000 | 1,532,000 | 2,329,000 | 3,153,000 |
| Noninterest income | 60,000 | 121,000 | 184,000 | 238,000 |
| Noninterest expense | 325,000 | 662,000 | 998,000 | 1,463,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 100,000 |
| Pretax income | 454,000 | 931,000 | 1,425,000 | 1,828,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 454,000 | 931,000 | 1,425,000 | 1,828,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,141,000 | 15,178,000 | 15,452,000 | 15,855,000 |
| Total capital | 15,813,000 | 15,863,000 | 16,144,000 | 16,558,000 |
| Risk-weighted assets | 53,370,000 | 54,401,000 | 54,950,000 | 55,831,000 |