Call reports 2015
BANK OF BEAVER CITY, THE — 2015
What BANK OF BEAVER CITY, THE 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 | 145,762,000 | 139,110,000 | 140,549,000 | 139,351,000 |
| Total loans | 80,217,000 | 85,945,000 | 89,274,000 | 88,068,000 |
| Allowance for loan losses | 1,632,000 | 1,634,000 | 1,639,000 | 1,647,000 |
| Securities available for sale | 55,313,000 | 43,147,000 | 43,520,000 | 42,619,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,443,000 | 122,774,000 | 121,828,000 | 120,526,000 |
| Interest-bearing deposits | 107,267,000 | 102,358,000 | 99,959,000 | 98,767,000 |
| Noninterest-bearing deposits | 23,176,000 | 20,416,000 | 21,869,000 | 21,759,000 |
| Equity capital | 13,129,000 | 12,906,000 | 13,016,000 | 13,372,000 |
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 | 1,468,000 | 2,948,000 | 4,451,000 | 5,949,000 |
| Interest expense | 168,000 | 338,000 | 502,000 | 663,000 |
| Net interest income | 1,300,000 | 2,610,000 | 3,949,000 | 5,286,000 |
| Noninterest income | 130,000 | 288,000 | 434,000 | 570,000 |
| Noninterest expense | 989,000 | 1,951,000 | 2,985,000 | 3,976,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 454,000 | 951,000 | 1,403,000 | 1,884,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 454,000 | 951,000 | 1,403,000 | 1,884,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,828,000 | 13,070,000 | 13,013,000 | 13,272,000 |
| Total capital | 13,977,000 | 14,244,000 | 14,235,000 | 14,491,000 |
| Risk-weighted assets | 91,479,000 | 93,518,000 | 97,394,000 | 97,114,000 |