Call reports 2015
ANDALUSIA COMMUNITY BANK — 2015
What ANDALUSIA COMMUNITY 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 | 40,371,000 | 40,703,000 | 39,375,000 | 39,159,000 |
| Total loans | 25,956,000 | 26,140,000 | 25,605,000 | 25,532,000 |
| Allowance for loan losses | 818,000 | 862,000 | 863,000 | 863,000 |
| Securities available for sale | 7,455,000 | 7,235,000 | 7,188,000 | 7,530,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,642,000 | 32,756,000 | 31,814,000 | 32,197,000 |
| Interest-bearing deposits | 27,618,000 | 26,025,000 | 25,929,000 | 25,980,000 |
| Noninterest-bearing deposits | 6,024,000 | 6,731,000 | 5,885,000 | 6,217,000 |
| Equity capital | 5,578,000 | 5,569,000 | 5,557,000 | 5,608,000 |
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 | 402,000 | 802,000 | 1,211,000 | 1,615,000 |
| Interest expense | 26,000 | 51,000 | 75,000 | 96,000 |
| Net interest income | 376,000 | 751,000 | 1,136,000 | 1,519,000 |
| Noninterest income | 26,000 | 74,000 | 30,000 | 68,000 |
| Noninterest expense | 392,000 | 775,000 | 1,150,000 | 1,505,000 |
| Provision for loan losses | 14,000 | 21,000 | 21,000 | 21,000 |
| Pretax income | -4,000 | 32,000 | 44,000 | 107,000 |
| Income tax | -7,000 | -4,000 | -3,000 | 7,000 |
| Net income | 3,000 | 36,000 | 47,000 | 100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,437,000 | 5,470,000 | 5,481,000 | 5,534,000 |
| Total capital | 5,704,000 | 5,758,000 | 5,763,000 | 5,820,000 |
| Risk-weighted assets | 20,830,000 | 22,482,000 | 22,015,000 | 22,345,000 |