Call reports 2015
STATE BANK OF LISMORE — 2015
What STATE BANK OF LISMORE 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 | 50,275,000 | 51,446,000 | 51,485,000 | 56,846,000 |
| Total loans | 44,598,000 | 46,347,000 | 47,197,000 | 53,114,000 |
| Allowance for loan losses | 268,000 | 277,000 | 286,000 | 345,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 414,000 | 511,000 | 511,000 | 511,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,666,000 | 38,058,000 | 37,892,000 | 42,125,000 |
| Interest-bearing deposits | 28,980,000 | 29,276,000 | 30,258,000 | 30,079,000 |
| Noninterest-bearing deposits | 9,686,000 | 8,782,000 | 7,634,000 | 12,046,000 |
| Equity capital | 5,013,000 | 5,124,000 | 5,169,000 | 5,243,000 |
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 | 560,000 | 1,140,000 | 1,743,000 | 2,377,000 |
| Interest expense | 61,000 | 122,000 | 191,000 | 260,000 |
| Net interest income | 499,000 | 1,018,000 | 1,552,000 | 2,117,000 |
| Noninterest income | 43,000 | 82,000 | 127,000 | 180,000 |
| Noninterest expense | 351,000 | 738,000 | 1,114,000 | 1,505,000 |
| Provision for loan losses | 69,000 | 78,000 | 87,000 | 146,000 |
| Pretax income | 122,000 | 284,000 | 478,000 | 646,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 121,000 | 283,000 | 477,000 | 645,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,013,000 | 5,124,000 | 5,169,000 | 5,243,000 |
| Total capital | 5,281,000 | 5,401,000 | 5,455,000 | 5,588,000 |
| Risk-weighted assets | 49,962,000 | 51,613,000 | 51,865,000 | 54,639,000 |