Call reports 2015
BALBOA THRIFT AND LOAN ASSOCIATION — 2015
What BALBOA THRIFT AND LOAN ASSOCIATION 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 | 208,258,000 | 216,543,000 | 214,798,000 | 215,434,000 |
| Total loans | 193,367,000 | 194,468,000 | 200,129,000 | 197,225,000 |
| Allowance for loan losses | 2,670,000 | 2,595,000 | 2,648,000 | 2,642,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,444,000 | 179,924,000 | 178,096,000 | 178,232,000 |
| Interest-bearing deposits | 170,872,000 | 178,787,000 | 177,101,000 | 177,195,000 |
| Noninterest-bearing deposits | 1,573,000 | 1,137,000 | 995,000 | 1,037,000 |
| Equity capital | 34,852,000 | 35,598,000 | 35,544,000 | 36,024,000 |
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 | 4,467,000 | 8,995,000 | 13,558,000 | 18,383,000 |
| Interest expense | 523,000 | 1,068,000 | 1,635,000 | 2,204,000 |
| Net interest income | 3,944,000 | 7,927,000 | 11,923,000 | 16,179,000 |
| Noninterest income | 47,000 | 167,000 | 294,000 | 410,000 |
| Noninterest expense | 2,642,000 | 5,273,000 | 7,977,000 | 10,829,000 |
| Provision for loan losses | 406,000 | 580,000 | 1,382,000 | 2,057,000 |
| Pretax income | 943,000 | 2,241,000 | 2,858,000 | 3,703,000 |
| Income tax | 404,000 | 956,000 | 1,227,000 | 1,592,000 |
| Net income | 539,000 | 1,285,000 | 1,631,000 | 2,111,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,780,000 | 35,526,000 | 35,472,000 | 35,952,000 |
| Total capital | 37,235,000 | 38,016,000 | 38,013,000 | 38,467,000 |
| Risk-weighted assets | 196,208,000 | 199,075,000 | 203,157,000 | 201,049,000 |