Call reports 2015
FOUNDATION BANK — 2015
What FOUNDATION 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 | 431,493,000 | 434,072,000 | 460,871,000 | 443,258,000 |
| Total loans | 282,564,000 | 286,795,000 | 297,612,000 | 288,176,000 |
| Allowance for loan losses | 5,488,000 | 5,580,000 | 5,692,000 | 5,774,000 |
| Securities available for sale | 59,822,000 | 75,776,000 | 87,960,000 | 85,170,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 377,409,000 | 384,879,000 | 408,007,000 | 391,093,000 |
| Interest-bearing deposits | 220,974,000 | 225,206,000 | 220,198,000 | 216,054,000 |
| Noninterest-bearing deposits | 156,435,000 | 159,673,000 | 187,809,000 | 175,039,000 |
| Equity capital | 48,372,000 | 46,501,000 | 48,991,000 | 47,962,000 |
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 | 3,667,000 | 7,517,000 | 11,441,000 | 15,460,000 |
| Interest expense | 244,000 | 469,000 | 697,000 | 898,000 |
| Net interest income | 3,423,000 | 7,048,000 | 10,744,000 | 14,562,000 |
| Noninterest income | 206,000 | 521,000 | 208,000 | -1,101,000 |
| Noninterest expense | 3,021,000 | 6,385,000 | 9,722,000 | 13,891,000 |
| Provision for loan losses | 0 | 2,996,000 | 2,996,000 | 2,996,000 |
| Pretax income | 608,000 | -1,601,000 | -1,560,000 | -3,220,000 |
| Income tax | 197,000 | -609,000 | -627,000 | -1,242,000 |
| Net income | 411,000 | -992,000 | -933,000 | -1,978,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,737,000 | 42,660,000 | 44,730,000 | 43,937,000 |
| Total capital | 49,102,000 | 47,018,000 | 49,449,000 | 48,494,000 |
| Risk-weighted assets | 345,962,000 | 344,734,000 | 374,012,000 | 360,452,000 |