Call reports 2015
BAKER BOYER NATIONAL BANK — 2015
What BAKER BOYER NATIONAL 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 | 570,960,000 | 552,178,000 | 559,726,000 | 566,231,000 |
| Total loans | 284,272,000 | 295,838,000 | 290,315,000 | 289,749,000 |
| Allowance for loan losses | 6,081,000 | 5,942,000 | 6,048,000 | 6,155,000 |
| Securities available for sale | 205,003,000 | 191,588,000 | 190,411,000 | 183,166,000 |
| Securities held to maturity | 1,490,000 | 1,493,000 | 1,494,000 | 1,442,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 498,379,000 | 479,455,000 | 487,961,000 | 496,590,000 |
| Interest-bearing deposits | 347,515,000 | 338,727,000 | 339,592,000 | 342,888,000 |
| Noninterest-bearing deposits | 150,864,000 | 140,728,000 | 148,369,000 | 153,702,000 |
| Equity capital | 48,218,000 | 48,356,000 | 49,510,000 | 50,146,000 |
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 | 4,384,000 | 8,912,000 | 13,594,000 | 18,140,000 |
| Interest expense | 83,000 | 167,000 | 246,000 | 323,000 |
| Net interest income | 4,301,000 | 8,745,000 | 13,348,000 | 17,817,000 |
| Noninterest income | 2,577,000 | 5,403,000 | 8,555,000 | 11,864,000 |
| Noninterest expense | 5,262,000 | 10,796,000 | 16,080,000 | 21,732,000 |
| Provision for loan losses | 23,000 | 46,000 | 219,000 | 332,000 |
| Pretax income | 1,596,000 | 3,330,000 | 5,630,000 | 7,654,000 |
| Income tax | 420,000 | 876,000 | 1,481,000 | 1,986,000 |
| Net income | 1,176,000 | 2,454,000 | 4,149,000 | 5,668,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,614,000 | 47,942,000 | 48,788,000 | 49,381,000 |
| Total capital | 51,928,000 | 52,389,000 | 53,127,000 | 53,564,000 |
| Risk-weighted assets | 343,244,000 | 354,100,000 | 345,265,000 | 332,450,000 |