Call reports 2015
COULEE BANK — 2015
What COULEE 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 | 319,375,000 | 320,471,000 | 323,923,000 | 340,232,000 |
| Total loans | 231,431,000 | 234,672,000 | 236,698,000 | 253,339,000 |
| Allowance for loan losses | 2,415,000 | 2,528,000 | 2,609,000 | 2,427,000 |
| Securities available for sale | 73,440,000 | 71,517,000 | 74,523,000 | 71,987,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,257,000 | 261,040,000 | 263,377,000 | 271,576,000 |
| Interest-bearing deposits | 253,153,000 | 250,064,000 | 253,345,000 | 162,964,000 |
| Noninterest-bearing deposits | 8,104,000 | 10,976,000 | 10,032,000 | 108,612,000 |
| Equity capital | 29,660,000 | 28,948,000 | 29,763,000 | 29,914,000 |
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 | 3,033,000 | 6,186,000 | 9,346,000 | 12,586,000 |
| Interest expense | 431,000 | 892,000 | 1,402,000 | 1,897,000 |
| Net interest income | 2,602,000 | 5,294,000 | 7,944,000 | 10,689,000 |
| Noninterest income | 701,000 | 1,092,000 | 1,646,000 | 2,002,000 |
| Noninterest expense | 2,125,000 | 4,071,000 | 6,215,000 | 8,227,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 512,000 |
| Pretax income | 1,073,000 | 2,105,000 | 3,060,000 | 3,952,000 |
| Income tax | 7,000 | 15,000 | 23,000 | 30,000 |
| Net income | 1,066,000 | 2,090,000 | 3,037,000 | 3,922,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,591,000 | 27,679,000 | 28,155,000 | 28,569,000 |
| Total capital | 30,006,000 | 30,207,000 | 30,764,000 | 30,996,000 |
| Risk-weighted assets | 228,467,000 | 230,959,000 | 240,175,000 | 253,509,000 |