Call reports 2015
BANK OF MODESTO — 2015
What BANK OF MODESTO 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 | 46,054,000 | 46,603,000 | 48,219,000 | 47,333,000 |
| Total loans | 25,786,000 | 27,475,000 | 27,080,000 | 28,659,000 |
| Allowance for loan losses | 199,000 | 199,000 | 201,000 | 201,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 14,315,000 | 12,807,000 | 11,550,000 | 11,115,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,318,000 | 41,791,000 | 43,328,000 | 42,451,000 |
| Interest-bearing deposits | 33,180,000 | 33,706,000 | 35,079,000 | 34,723,000 |
| Noninterest-bearing deposits | 8,138,000 | 8,085,000 | 8,249,000 | 7,728,000 |
| Equity capital | 4,601,000 | 4,659,000 | 4,729,000 | 4,706,000 |
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 | 367,000 | 753,000 | 1,137,000 | 1,519,000 |
| Interest expense | 27,000 | 59,000 | 92,000 | 129,000 |
| Net interest income | 340,000 | 694,000 | 1,045,000 | 1,390,000 |
| Noninterest income | 24,000 | 58,000 | 87,000 | 117,000 |
| Noninterest expense | 259,000 | 536,000 | 801,000 | 1,118,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 105,000 | 216,000 | 331,000 | 389,000 |
| Income tax | 45,000 | 97,000 | 142,000 | 134,000 |
| Net income | 60,000 | 119,000 | 189,000 | 255,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,568,000 | 4,634,000 | 4,711,000 | 4,696,000 |
| Total capital | 4,767,000 | 4,833,000 | 4,912,000 | 4,897,000 |
| Risk-weighted assets | 29,519,000 | 32,088,000 | 30,738,000 | 32,126,000 |