Call reports 2015
ALL CAPITAL BANK — 2015
What ALL CAPITAL 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 | 33,879,000 | 33,145,000 | 31,750,000 | 32,441,000 |
| Total loans | 19,808,000 | 20,342,000 | 20,878,000 | 20,744,000 |
| Allowance for loan losses | 437,000 | 418,000 | 450,000 | 482,000 |
| Securities available for sale | 19,000 | 18,000 | 18,000 | 17,000 |
| Securities held to maturity | 3,448,000 | 3,325,000 | 2,606,000 | 2,605,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,900,000 | 28,967,000 | 27,383,000 | 28,252,000 |
| Interest-bearing deposits | 18,948,000 | 18,068,000 | 16,836,000 | 16,871,000 |
| Noninterest-bearing deposits | 10,952,000 | 10,899,000 | 10,547,000 | 11,381,000 |
| Equity capital | 3,416,000 | 3,501,000 | 3,588,000 | 3,679,000 |
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 | 414,000 | 851,000 | 1,296,000 | 1,739,000 |
| Interest expense | 12,000 | 24,000 | 35,000 | 47,000 |
| Net interest income | 402,000 | 827,000 | 1,261,000 | 1,692,000 |
| Noninterest income | 112,000 | 243,000 | 375,000 | 497,000 |
| Noninterest expense | 332,000 | 666,000 | 1,003,000 | 1,321,000 |
| Provision for loan losses | 26,000 | 52,000 | 83,000 | 113,000 |
| Pretax income | 156,000 | 352,000 | 550,000 | 755,000 |
| Income tax | 56,000 | 126,000 | 197,000 | 270,000 |
| Net income | 100,000 | 226,000 | 353,000 | 485,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,325,000 | 3,410,000 | 3,497,000 | 3,588,000 |
| Total capital | 3,616,000 | 3,706,000 | 3,788,000 | 3,878,000 |
| Risk-weighted assets | 23,144,000 | 23,536,000 | 23,142,000 | 23,073,000 |