Call reports 2015
STATE BANK OF BEMENT — 2015
What STATE BANK OF BEMENT 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 | 83,220,000 | 82,846,000 | 82,214,000 | 83,447,000 |
| Total loans | 46,292,000 | 48,347,000 | 48,959,000 | 51,253,000 |
| Allowance for loan losses | 412,000 | 417,000 | 433,000 | 425,000 |
| Securities available for sale | 17,809,000 | 17,691,000 | 17,206,000 | 16,787,000 |
| Securities held to maturity | 10,838,000 | 10,201,000 | 9,446,000 | 8,644,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,303,000 | 66,940,000 | 68,044,000 | 67,543,000 |
| Interest-bearing deposits | 56,895,000 | 53,295,000 | 54,654,000 | 53,431,000 |
| Noninterest-bearing deposits | 14,408,000 | 13,645,000 | 13,390,000 | 14,112,000 |
| Equity capital | 11,733,000 | 11,754,000 | 11,937,000 | 11,829,000 |
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 | 766,000 | 1,566,000 | 2,364,000 | 3,171,000 |
| Interest expense | 22,000 | 48,000 | 74,000 | 98,000 |
| Net interest income | 744,000 | 1,518,000 | 2,290,000 | 3,073,000 |
| Noninterest income | 140,000 | 276,000 | 419,000 | 600,000 |
| Noninterest expense | 708,000 | 1,418,000 | 2,193,000 | 2,905,000 |
| Provision for loan losses | 23,000 | 48,000 | 69,000 | 101,000 |
| Pretax income | 153,000 | 328,000 | 447,000 | 667,000 |
| Income tax | 24,000 | 56,000 | 68,000 | 117,000 |
| Net income | 129,000 | 272,000 | 379,000 | 550,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,733,000 | 11,754,000 | 12,063,000 | 11,699,000 |
| Total capital | 12,145,000 | 12,171,000 | 12,496,000 | 12,124,000 |
| Risk-weighted assets | 50,170,000 | 59,338,000 | 60,220,000 | 63,265,000 |