Call reports 2015
FFB BANK — 2015
What FFB 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 | 265,295,000 | 256,555,000 | 291,609,000 | 295,736,000 |
| Total loans | 171,571,000 | 179,318,000 | 178,961,000 | 188,395,000 |
| Allowance for loan losses | 3,205,000 | 3,540,000 | 3,553,000 | 3,556,000 |
| Securities available for sale | 58,309,000 | 57,733,000 | 62,280,000 | 68,775,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 239,278,000 | 230,492,000 | 264,670,000 | 268,350,000 |
| Interest-bearing deposits | 135,377,000 | 129,582,000 | 144,352,000 | 147,808,000 |
| Noninterest-bearing deposits | 103,901,000 | 100,910,000 | 120,318,000 | 120,542,000 |
| Equity capital | 25,005,000 | 25,433,000 | 26,300,000 | 26,715,000 |
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 | 2,679,000 | 5,397,000 | 8,208,000 | 11,041,000 |
| Interest expense | 107,000 | 206,000 | 311,000 | 422,000 |
| Net interest income | 2,572,000 | 5,191,000 | 7,897,000 | 10,619,000 |
| Noninterest income | 324,000 | 722,000 | 1,032,000 | 1,258,000 |
| Noninterest expense | 1,758,000 | 3,547,000 | 5,457,000 | 7,531,000 |
| Provision for loan losses | 145,000 | 270,000 | 270,000 | 270,000 |
| Pretax income | 1,052,000 | 2,155,000 | 3,261,000 | 4,144,000 |
| Income tax | 406,000 | 832,000 | 1,259,000 | 1,600,000 |
| Net income | 646,000 | 1,323,000 | 2,002,000 | 2,544,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,422,000 | 25,108,000 | 25,795,000 | 26,353,000 |
| Total capital | 26,322,000 | 27,103,000 | 27,858,000 | 28,511,000 |
| Risk-weighted assets | 150,417,000 | 158,031,000 | 163,519,000 | 171,216,000 |