Call reports 2015
BANK OF HOLLAND — 2015
What BANK OF HOLLAND 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 | 96,326,000 | 94,072,000 | 94,881,000 | 94,817,000 |
| Total loans | 62,568,000 | 62,748,000 | 64,237,000 | 65,970,000 |
| Allowance for loan losses | 902,000 | 900,000 | 900,000 | 900,000 |
| Securities available for sale | 21,851,000 | 20,210,000 | 22,247,000 | 21,224,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,802,000 | 85,540,000 | 86,044,000 | 83,718,000 |
| Interest-bearing deposits | 65,944,000 | 65,993,000 | 64,380,000 | 63,727,000 |
| Noninterest-bearing deposits | 21,858,000 | 19,547,000 | 21,664,000 | 19,991,000 |
| Equity capital | 8,356,000 | 8,355,000 | 8,593,000 | 8,850,000 |
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 | 915,000 | 1,868,000 | 2,812,000 | 3,766,000 |
| Interest expense | 78,000 | 156,000 | 235,000 | 314,000 |
| Net interest income | 837,000 | 1,712,000 | 2,577,000 | 3,452,000 |
| Noninterest income | 141,000 | 287,000 | 456,000 | 655,000 |
| Noninterest expense | 740,000 | 1,547,000 | 2,315,000 | 3,318,000 |
| Provision for loan losses | 0 | 31,000 | 67,000 | 68,000 |
| Pretax income | 238,000 | 424,000 | 654,000 | 726,000 |
| Income tax | 27,000 | 71,000 | 113,000 | 85,000 |
| Net income | 211,000 | 353,000 | 541,000 | 641,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,529,000 | 8,671,000 | 8,778,000 | 8,880,000 |
| Total capital | 9,237,000 | 9,377,000 | 9,534,000 | 9,653,000 |
| Risk-weighted assets | 56,439,000 | 56,247,000 | 60,306,000 | 61,744,000 |