Call reports 2015
CENTRAL BANK OF SEDALIA — 2015
What CENTRAL BANK OF SEDALIA 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 | 401,856,000 | 396,301,000 | 392,777,000 | 416,792,000 |
| Total loans | 244,856,000 | 249,855,000 | 253,617,000 | 256,611,000 |
| Allowance for loan losses | 4,825,000 | 4,920,000 | 4,843,000 | 4,763,000 |
| Securities available for sale | 114,833,000 | 113,813,000 | 104,279,000 | 114,757,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 357,235,000 | 352,082,000 | 347,263,000 | 367,039,000 |
| Interest-bearing deposits | 286,945,000 | 280,752,000 | 276,064,000 | 286,498,000 |
| Noninterest-bearing deposits | 70,290,000 | 71,330,000 | 71,199,000 | 80,541,000 |
| Equity capital | 36,611,000 | 36,972,000 | 37,094,000 | 36,795,000 |
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 | 3,446,000 | 6,949,000 | 10,469,000 | 14,057,000 |
| Interest expense | 150,000 | 302,000 | 461,000 | 617,000 |
| Net interest income | 3,296,000 | 6,647,000 | 10,008,000 | 13,440,000 |
| Noninterest income | 991,000 | 2,169,000 | 3,332,000 | 4,558,000 |
| Noninterest expense | 2,402,000 | 4,981,000 | 7,532,000 | 9,989,000 |
| Provision for loan losses | 98,000 | 193,000 | 218,000 | 241,000 |
| Pretax income | 1,787,000 | 3,649,000 | 5,597,000 | 7,775,000 |
| Income tax | 605,000 | 1,238,000 | 1,908,000 | 2,667,000 |
| Net income | 1,182,000 | 2,411,000 | 3,689,000 | 5,108,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,786,000 | 33,439,000 | 33,414,000 | 33,532,000 |
| Total capital | 36,145,000 | 37,095,000 | 37,005,000 | 37,380,000 |
| Risk-weighted assets | 267,152,000 | 291,170,000 | 285,980,000 | 306,867,000 |