Call reports 2015
STATE CENTRAL BANK — 2015
What STATE CENTRAL 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 | 56,861,000 | 55,360,000 | 52,516,000 | 47,758,000 |
| Total loans | 33,813,000 | 32,275,000 | 32,506,000 | 31,443,000 |
| Allowance for loan losses | 2,522,000 | 2,553,000 | 2,569,000 | 2,577,000 |
| Securities available for sale | 2,325,000 | 2,266,000 | 1,265,000 | 864,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,952,000 | 48,479,000 | 45,807,000 | 42,911,000 |
| Interest-bearing deposits | 43,922,000 | 41,270,000 | 39,754,000 | 36,659,000 |
| Noninterest-bearing deposits | 6,030,000 | 7,209,000 | 6,053,000 | 6,252,000 |
| Equity capital | 5,479,000 | 5,512,000 | 5,261,000 | 4,661,000 |
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 | 447,000 | 838,000 | 1,231,000 | 1,626,000 |
| Interest expense | 71,000 | 138,000 | 199,000 | 257,000 |
| Net interest income | 376,000 | 700,000 | 1,032,000 | 1,369,000 |
| Noninterest income | -248,000 | 109,000 | 256,000 | -100,000 |
| Noninterest expense | 631,000 | 1,286,000 | 2,016,000 | 2,597,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -503,000 | -477,000 | -728,000 | -1,328,000 |
| Income tax | 0 | -7,000 | -7,000 | -7,000 |
| Net income | -503,000 | -470,000 | -721,000 | -1,321,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,696,000 | 4,729,000 | 4,478,000 | 3,878,000 |
| Total capital | 5,263,000 | 5,264,000 | 5,018,000 | 4,367,000 |
| Risk-weighted assets | 43,391,000 | 40,742,000 | 40,681,000 | 36,621,000 |