Call reports 2015
BENCHMARK BANK — 2015
What BENCHMARK BANK 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 | 127,332,000 | 127,262,000 | 127,873,000 | 122,305,000 |
| Total loans | 109,080,000 | 109,491,000 | 108,740,000 | 102,148,000 |
| Allowance for loan losses | 1,430,000 | 1,439,000 | 1,507,000 | 1,508,000 |
| Securities available for sale | 6,735,000 | 6,544,000 | 4,330,000 | 1,117,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,710,000 | 111,665,000 | 116,383,000 | 110,077,000 |
| Interest-bearing deposits | 79,127,000 | 89,754,000 | 94,507,000 | 83,059,000 |
| Noninterest-bearing deposits | 31,583,000 | 21,911,000 | 21,876,000 | 27,018,000 |
| Equity capital | 9,964,000 | 10,216,000 | 10,510,000 | 11,594,000 |
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 | 1,368,000 | 2,970,000 | 4,508,000 | 6,004,000 |
| Interest expense | 182,000 | 357,000 | 512,000 | 670,000 |
| Net interest income | 1,186,000 | 2,613,000 | 3,996,000 | 5,334,000 |
| Noninterest income | 913,000 | 2,420,000 | 3,922,000 | 5,224,000 |
| Noninterest expense | 2,119,000 | 4,659,000 | 7,167,000 | 9,527,000 |
| Provision for loan losses | 127,000 | 229,000 | 338,000 | 113,000 |
| Pretax income | -147,000 | 145,000 | 331,000 | 919,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -147,000 | 145,000 | 331,000 | 919,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,835,000 | 10,141,000 | 10,334,000 | 11,529,000 |
| Total capital | 11,182,000 | 11,580,000 | 11,787,000 | 12,856,000 |
| Risk-weighted assets | 107,693,000 | 115,106,000 | 116,164,000 | 106,006,000 |