Call reports 2015
FALLS CITY NATIONAL BANK, THE — 2015
What FALLS CITY NATIONAL BANK, THE 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 | 355,269,000 | 342,616,000 | 337,620,000 | 346,153,000 |
| Total loans | 108,032,000 | 112,577,000 | 113,943,000 | 117,462,000 |
| Allowance for loan losses | 1,339,000 | 1,520,000 | 1,464,000 | 1,428,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 119,014,000 | 124,039,000 | 121,932,000 | 120,318,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 328,638,000 | 315,204,000 | 309,302,000 | 317,692,000 |
| Interest-bearing deposits | 223,317,000 | 212,748,000 | 207,619,000 | 212,044,000 |
| Noninterest-bearing deposits | 105,322,000 | 102,456,000 | 101,683,000 | 105,648,000 |
| Equity capital | 25,871,000 | 27,043,000 | 27,898,000 | 28,143,000 |
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 | 2,532,000 | 5,148,000 | 7,895,000 | 10,685,000 |
| Interest expense | 119,000 | 238,000 | 355,000 | 470,000 |
| Net interest income | 2,413,000 | 4,910,000 | 7,540,000 | 10,215,000 |
| Noninterest income | 87,000 | 169,000 | 268,000 | 254,000 |
| Noninterest expense | 724,000 | 1,392,000 | 2,153,000 | 3,281,000 |
| Provision for loan losses | 500,000 | 800,000 | 800,000 | 900,000 |
| Pretax income | 1,276,000 | 2,887,000 | 4,855,000 | 6,288,000 |
| Income tax | 444,000 | 882,000 | 1,496,000 | 1,935,000 |
| Net income | 832,000 | 2,005,000 | 3,359,000 | 4,353,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,871,000 | 27,043,000 | 27,898,000 | 28,143,000 |
| Total capital | 27,212,000 | 28,565,000 | 29,363,000 | 29,572,000 |
| Risk-weighted assets | 138,894,000 | 139,884,000 | 140,031,000 | 144,165,000 |