Call reports 2015
PAVILLION BANK — 2015
What PAVILLION 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 | 82,624,000 | 80,183,000 | 82,156,000 | 81,679,000 |
| Total loans | 55,389,000 | 55,512,000 | 53,583,000 | 54,731,000 |
| Allowance for loan losses | 722,000 | 579,000 | 609,000 | 537,000 |
| Securities available for sale | 7,405,000 | 7,288,000 | 6,353,000 | 6,852,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,285,000 | 68,842,000 | 70,641,000 | 70,210,000 |
| Interest-bearing deposits | 51,129,000 | 49,950,000 | 49,886,000 | 51,377,000 |
| Noninterest-bearing deposits | 20,156,000 | 18,892,000 | 20,755,000 | 18,833,000 |
| Equity capital | 10,220,000 | 10,196,000 | 10,228,000 | 10,218,000 |
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 | 811,000 | 1,702,000 | 2,583,000 | 3,426,000 |
| Interest expense | 64,000 | 128,000 | 192,000 | 256,000 |
| Net interest income | 747,000 | 1,574,000 | 2,391,000 | 3,170,000 |
| Noninterest income | 57,000 | 112,000 | 193,000 | 255,000 |
| Noninterest expense | 564,000 | 1,131,000 | 1,705,000 | 2,280,000 |
| Provision for loan losses | 50,000 | 100,000 | 130,000 | 210,000 |
| Pretax income | 190,000 | 455,000 | 749,000 | 935,000 |
| Income tax | 55,000 | 120,000 | 249,000 | 261,000 |
| Net income | 135,000 | 335,000 | 500,000 | 674,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,040,000 | 10,103,000 | 10,093,000 | 10,081,000 |
| Total capital | 10,713,000 | 10,689,000 | 10,709,000 | 10,625,000 |
| Risk-weighted assets | 53,756,000 | 53,711,000 | 52,841,000 | 54,210,000 |
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