Call reports 2015
LOCAL BANK — 2015
What LOCAL 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 | 105,146,000 | 104,398,000 | 105,362,000 | 107,505,000 |
| Total loans | 66,143,000 | 66,099,000 | 66,335,000 | 65,328,000 |
| Allowance for loan losses | 995,000 | 1,042,000 | 1,055,000 | 1,011,000 |
| Securities available for sale | 21,830,000 | 21,428,000 | 19,082,000 | 19,538,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,505,000 | 95,854,000 | 96,132,000 | 98,358,000 |
| Interest-bearing deposits | 79,743,000 | 78,672,000 | 78,874,000 | 79,088,000 |
| Noninterest-bearing deposits | 16,762,000 | 17,182,000 | 17,258,000 | 19,270,000 |
| Equity capital | 8,284,000 | 8,182,000 | 8,827,000 | 8,834,000 |
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 | 1,168,000 | 2,348,000 | 3,526,000 | 4,689,000 |
| Interest expense | 145,000 | 290,000 | 432,000 | 575,000 |
| Net interest income | 1,023,000 | 2,058,000 | 3,094,000 | 4,114,000 |
| Noninterest income | 113,000 | 281,000 | 887,000 | 990,000 |
| Noninterest expense | 924,000 | 1,884,000 | 2,812,000 | 3,774,000 |
| Provision for loan losses | 37,000 | 75,000 | 113,000 | 117,000 |
| Pretax income | 175,000 | 380,000 | 1,056,000 | 1,213,000 |
| Income tax | 39,000 | 85,000 | 128,000 | 160,000 |
| Net income | 136,000 | 295,000 | 928,000 | 1,053,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,267,000 | 8,353,000 | 8,889,000 | 8,924,000 |
| Total capital | 9,037,000 | 9,084,000 | 9,687,000 | 9,719,000 |
| Risk-weighted assets | 61,391,000 | 58,131,000 | 63,564,000 | 63,354,000 |