Call reports 2015
BANCCENTRAL, NATIONAL ASSOCIATION — 2015
What BANCCENTRAL, NATIONAL ASSOCIATION 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 | 515,490,000 | 487,396,000 | 472,440,000 | 484,375,000 |
| Total loans | 191,087,000 | 196,657,000 | 204,417,000 | 214,126,000 |
| Allowance for loan losses | 2,766,000 | 2,881,000 | 2,996,000 | 3,102,000 |
| Securities available for sale | 271,698,000 | 247,694,000 | 224,056,000 | 205,456,000 |
| Securities held to maturity | 593,000 | 593,000 | 297,000 | 296,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 470,731,000 | 444,616,000 | 428,754,000 | 438,152,000 |
| Interest-bearing deposits | 336,829,000 | 327,145,000 | 319,668,000 | 322,185,000 |
| Noninterest-bearing deposits | 133,902,000 | 117,471,000 | 109,086,000 | 115,967,000 |
| Equity capital | 43,755,000 | 41,612,000 | 42,456,000 | 45,029,000 |
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 | 3,862,000 | 7,806,000 | 11,640,000 | 15,408,000 |
| Interest expense | 299,000 | 602,000 | 911,000 | 1,202,000 |
| Net interest income | 3,563,000 | 7,204,000 | 10,729,000 | 14,206,000 |
| Noninterest income | 466,000 | 940,000 | 1,448,000 | 1,273,000 |
| Noninterest expense | 3,135,000 | 6,228,000 | 9,494,000 | 13,177,000 |
| Provision for loan losses | 75,000 | 195,000 | 315,000 | 435,000 |
| Pretax income | 1,246,000 | 2,856,000 | 4,315,000 | 4,524,000 |
| Income tax | 0 | 0 | 16,000 | 20,000 |
| Net income | 1,246,000 | 2,856,000 | 4,299,000 | 4,504,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,279,000 | 34,892,000 | 35,337,000 | 38,514,000 |
| Total capital | 37,045,000 | 37,773,000 | 38,333,000 | 41,616,000 |
| Risk-weighted assets | 283,884,000 | 289,941,000 | 301,569,000 | 305,141,000 |