Call reports 2015
FOX VALLEY SAVINGS BANK — 2015
What FOX VALLEY SAVINGS 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 | 304,237,000 | 304,300,000 | 306,154,000 | 306,906,000 |
| Total loans | 156,770,000 | 153,308,000 | 155,241,000 | 156,235,000 |
| Allowance for loan losses | 3,249,000 | 3,256,000 | 3,301,000 | 3,156,000 |
| Securities available for sale | 104,714,000 | 104,695,000 | 103,554,000 | 105,569,000 |
| Securities held to maturity | 13,368,000 | 14,095,000 | 15,873,000 | 16,641,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,990,000 | 257,115,000 | 260,301,000 | 257,198,000 |
| Interest-bearing deposits | 243,473,000 | 247,290,000 | 248,772,000 | 248,356,000 |
| Noninterest-bearing deposits | 8,517,000 | 9,825,000 | 11,529,000 | 8,842,000 |
| Equity capital | 42,747,000 | 42,669,000 | 43,276,000 | 43,209,000 |
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 | 2,255,000 | 4,460,000 | 6,682,000 | 8,935,000 |
| Interest expense | 324,000 | 644,000 | 964,000 | 1,279,000 |
| Net interest income | 1,931,000 | 3,816,000 | 5,718,000 | 7,656,000 |
| Noninterest income | 597,000 | 1,192,000 | 1,716,000 | 2,137,000 |
| Noninterest expense | 1,772,000 | 3,591,000 | 5,392,000 | 7,242,000 |
| Provision for loan losses | 55,000 | 130,000 | 176,000 | 192,000 |
| Pretax income | 701,000 | 1,287,000 | 1,866,000 | 2,359,000 |
| Income tax | 213,000 | 382,000 | 546,000 | 672,000 |
| Net income | 488,000 | 905,000 | 1,320,000 | 1,687,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,328,000 | 41,633,000 | 42,158,000 | 42,603,000 |
| Total capital | 43,520,000 | 43,867,000 | 44,557,000 | 45,046,000 |
| Risk-weighted assets | 174,368,000 | 177,523,000 | 190,920,000 | 194,737,000 |