Call reports 2015
FIRST STATE BANK OF OKABENA (INCORPORATED) — 2015
What FIRST STATE BANK OF OKABENA (INCORPORATED) 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 | 18,985,000 | 18,949,000 | 18,001,000 | 18,374,000 |
| Total loans | 6,504,000 | 6,701,000 | 6,967,000 | 6,032,000 |
| Allowance for loan losses | 150,000 | 175,000 | 175,000 | 175,000 |
| Securities available for sale | 5,190,000 | 5,113,000 | 4,959,000 | 4,471,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,533,000 | 16,517,000 | 15,549,000 | 16,262,000 |
| Interest-bearing deposits | 12,478,000 | 12,618,000 | 12,132,000 | 12,236,000 |
| Noninterest-bearing deposits | 4,055,000 | 3,899,000 | 3,417,000 | 4,026,000 |
| Equity capital | 2,447,000 | 2,428,000 | 2,447,000 | 2,108,000 |
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 | 122,000 | 265,000 | 395,000 | 526,000 |
| Interest expense | 14,000 | 27,000 | 41,000 | 52,000 |
| Net interest income | 108,000 | 238,000 | 354,000 | 474,000 |
| Noninterest income | 24,000 | 28,000 | 33,000 | 39,000 |
| Noninterest expense | 116,000 | 221,000 | 330,000 | 488,000 |
| Provision for loan losses | 0 | 25,000 | 25,000 | 25,000 |
| Pretax income | 18,000 | 22,000 | 34,000 | 2,000 |
| Income tax | 0 | 0 | 11,000 | -5,000 |
| Net income | 18,000 | 22,000 | 23,000 | 7,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,019,000 | 2,023,000 | 2,021,000 | 1,700,000 |
| Total capital | 2,108,000 | 2,123,000 | 2,120,000 | 1,792,000 |
| Risk-weighted assets | 7,088,000 | 7,742,000 | 7,624,000 | 7,076,000 |