Call reports 2015
BANK OF DELIGHT — 2015
What BANK OF DELIGHT 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 | 83,678,000 | 85,757,000 | 93,116,000 | 92,909,000 |
| Total loans | 52,716,000 | 61,732,000 | 64,282,000 | 64,558,000 |
| Allowance for loan losses | 788,000 | 784,000 | 787,000 | 787,000 |
| Securities available for sale | 1,414,000 | 1,616,000 | 1,579,000 | 1,497,000 |
| Securities held to maturity | 14,703,000 | 12,280,000 | 12,891,000 | 12,386,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,370,000 | 64,987,000 | 71,631,000 | 72,013,000 |
| Interest-bearing deposits | 52,937,000 | 54,450,000 | 60,681,000 | 61,165,000 |
| Noninterest-bearing deposits | 10,433,000 | 10,537,000 | 10,950,000 | 10,848,000 |
| Equity capital | 17,625,000 | 17,712,000 | 17,880,000 | 17,558,000 |
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 | 765,000 | 1,595,000 | 2,497,000 | 3,415,000 |
| Interest expense | 105,000 | 214,000 | 341,000 | 474,000 |
| Net interest income | 660,000 | 1,381,000 | 2,156,000 | 2,941,000 |
| Noninterest income | 30,000 | 70,000 | 90,000 | 111,000 |
| Noninterest expense | 444,000 | 916,000 | 1,443,000 | 1,975,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 246,000 | 535,000 | 803,000 | 1,077,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 246,000 | 535,000 | 803,000 | 1,077,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,601,000 | 17,687,000 | 17,893,000 | 17,653,000 |
| Total capital | 18,330,000 | 18,471,000 | 18,680,000 | 18,440,000 |
| Risk-weighted assets | 58,288,000 | 64,376,000 | 68,669,000 | 71,814,000 |