Call reports 2015
STATE BANK OF DANVERS — 2015
What STATE BANK OF DANVERS 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 | 44,864,000 | 48,176,000 | 48,110,000 | 48,796,000 |
| Total loans | 20,077,000 | 21,271,000 | 22,853,000 | 23,827,000 |
| Allowance for loan losses | 501,000 | 502,000 | 502,000 | 502,000 |
| Securities available for sale | 18,847,000 | 17,447,000 | 18,214,000 | 19,680,000 |
| Securities held to maturity | 29,000 | 27,000 | 25,000 | 24,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,101,000 | 41,376,000 | 41,216,000 | 41,825,000 |
| Interest-bearing deposits | 31,065,000 | 35,483,000 | 34,567,000 | 33,921,000 |
| Noninterest-bearing deposits | 7,036,000 | 5,893,000 | 6,649,000 | 7,904,000 |
| Equity capital | 5,646,000 | 5,663,000 | 5,738,000 | 5,795,000 |
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 | 368,000 | 735,000 | 1,105,000 | 1,454,000 |
| Interest expense | 19,000 | 38,000 | 58,000 | 79,000 |
| Net interest income | 349,000 | 697,000 | 1,047,000 | 1,375,000 |
| Noninterest income | 21,000 | 43,000 | 64,000 | 121,000 |
| Noninterest expense | 240,000 | 465,000 | 705,000 | 959,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 130,000 | 275,000 | 406,000 | 537,000 |
| Income tax | 0 | 0 | 1,000 | 1,000 |
| Net income | 130,000 | 275,000 | 360,000 | 485,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,541,000 | 5,617,000 | 5,647,000 | 5,796,000 |
| Total capital | 5,888,000 | 5,984,000 | 6,027,000 | 6,199,000 |
| Risk-weighted assets | 27,661,000 | 29,259,000 | 30,247,000 | 32,155,000 |