Call reports 2015
BRISTOL MORGAN BANK — 2015
What BRISTOL MORGAN 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 | 87,329,000 | 88,300,000 | 86,863,000 | 89,119,000 |
| Total loans | 59,888,000 | 63,045,000 | 61,865,000 | 63,790,000 |
| Allowance for loan losses | 674,000 | 709,000 | 716,000 | 698,000 |
| Securities available for sale | 14,086,000 | 13,818,000 | 13,836,000 | 13,727,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,450,000 | 73,288,000 | 72,105,000 | 76,836,000 |
| Interest-bearing deposits | 63,885,000 | 63,414,000 | 62,408,000 | 65,720,000 |
| Noninterest-bearing deposits | 10,565,000 | 9,874,000 | 9,697,000 | 11,116,000 |
| Equity capital | 9,721,000 | 9,870,000 | 10,045,000 | 10,094,000 |
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 | 921,000 | 1,915,000 | 2,866,000 | 3,799,000 |
| Interest expense | 118,000 | 236,000 | 354,000 | 474,000 |
| Net interest income | 803,000 | 1,679,000 | 2,512,000 | 3,325,000 |
| Noninterest income | 120,000 | 245,000 | 357,000 | 497,000 |
| Noninterest expense | 656,000 | 1,324,000 | 2,032,000 | 2,626,000 |
| Provision for loan losses | 46,000 | 93,000 | 140,000 | 171,000 |
| Pretax income | 221,000 | 528,000 | 718,000 | 1,046,000 |
| Income tax | 64,000 | 161,000 | 215,000 | 317,000 |
| Net income | 157,000 | 367,000 | 503,000 | 729,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,569,000 | 9,778,000 | 9,916,000 | 9,996,000 |
| Total capital | 10,243,000 | 10,487,000 | 10,632,000 | 10,694,000 |
| Risk-weighted assets | 61,698,000 | 63,360,000 | 62,579,000 | 64,409,000 |