Call reports 2015
BENDENA STATE BANK — 2015
What BENDENA STATE 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 | 55,480,000 | 55,614,000 | 56,824,000 | 58,265,000 |
| Total loans | 39,718,000 | 40,877,000 | 42,041,000 | 42,547,000 |
| Allowance for loan losses | 367,000 | 369,000 | 394,000 | 416,000 |
| Securities available for sale | 12,097,000 | 11,339,000 | 11,232,000 | 10,950,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,819,000 | 49,033,000 | 51,977,000 | 53,310,000 |
| Interest-bearing deposits | 37,429,000 | 38,283,000 | 39,347,000 | 39,663,000 |
| Noninterest-bearing deposits | 12,390,000 | 10,750,000 | 12,630,000 | 13,647,000 |
| Equity capital | 4,554,000 | 4,476,000 | 4,687,000 | 4,834,000 |
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 | 525,000 | 1,076,000 | 1,633,000 | 2,203,000 |
| Interest expense | 55,000 | 114,000 | 173,000 | 230,000 |
| Net interest income | 470,000 | 962,000 | 1,460,000 | 1,973,000 |
| Noninterest income | 49,000 | 85,000 | 145,000 | 185,000 |
| Noninterest expense | 326,000 | 655,000 | 991,000 | 1,336,000 |
| Provision for loan losses | 16,000 | 38,000 | 62,000 | 86,000 |
| Pretax income | 159,000 | 345,000 | 543,000 | 727,000 |
| Income tax | 21,000 | 29,000 | 37,000 | 45,000 |
| Net income | 138,000 | 316,000 | 506,000 | 682,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,355,000 | 4,435,000 | 4,547,000 | 4,653,000 |
| Total capital | 4,722,000 | 4,804,000 | 4,941,000 | 5,069,000 |
| Risk-weighted assets | 40,758,000 | 41,682,000 | 43,495,000 | 44,833,000 |