Call reports 2015
ORMSBY STATE BANK — 2015
What ORMSBY STATE 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 | 26,223,000 | 25,729,000 | 26,161,000 | 26,794,000 |
| Total loans | 10,177,000 | 11,025,000 | 11,387,000 | 12,284,000 |
| Allowance for loan losses | 209,000 | 209,000 | 209,000 | 202,000 |
| Securities available for sale | 7,401,000 | 7,293,000 | 7,113,000 | 7,448,000 |
| Securities held to maturity | 975,000 | 974,000 | 524,000 | 425,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,245,000 | 21,800,000 | 22,119,000 | 22,767,000 |
| Interest-bearing deposits | 18,414,000 | 18,445,000 | 2,867,000 | 17,972,000 |
| Noninterest-bearing deposits | 3,831,000 | 3,355,000 | 19,252,000 | 4,795,000 |
| Equity capital | 3,806,000 | 3,810,000 | 3,947,000 | 3,991,000 |
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 | 212,000 | 434,000 | 652,000 | 881,000 |
| Interest expense | 28,000 | 56,000 | 84,000 | 110,000 |
| Net interest income | 184,000 | 378,000 | 568,000 | 771,000 |
| Noninterest income | 11,000 | 22,000 | 32,000 | 42,000 |
| Noninterest expense | 107,000 | 226,000 | 341,000 | 467,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 88,000 | 175,000 | 260,000 | 347,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 88,000 | 175,000 | 260,000 | 347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,630,000 | 3,716,000 | 3,802,000 | 3,888,000 |
| Total capital | 3,694,000 | 3,781,000 | 3,866,000 | 4,074,000 |
| Risk-weighted assets | 4,945,000 | 5,018,000 | 4,993,000 | 14,757,000 |