Call reports 2015
BIG HORN FEDERAL SAVINGS BANK — 2015
What BIG HORN FEDERAL SAVINGS 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 | 232,164,000 | 229,990,000 | 233,894,000 | 235,505,000 |
| Total loans | 92,895,000 | 94,576,000 | 92,330,000 | 93,741,000 |
| Allowance for loan losses | 1,456,000 | 1,434,000 | 1,441,000 | 1,478,000 |
| Securities available for sale | 700,000 | 696,000 | 241,000 | 1,418,000 |
| Securities held to maturity | 56,910,000 | 58,558,000 | 62,210,000 | 63,524,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,648,000 | 196,608,000 | 198,793,000 | 200,325,000 |
| Interest-bearing deposits | 182,961,000 | 179,636,000 | 177,035,000 | 178,475,000 |
| Noninterest-bearing deposits | 18,687,000 | 16,972,000 | 21,758,000 | 21,850,000 |
| Equity capital | 22,085,000 | 22,241,000 | 22,423,000 | 22,930,000 |
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 | 1,691,000 | 3,411,000 | 5,192,000 | 6,982,000 |
| Interest expense | 137,000 | 275,000 | 415,000 | 552,000 |
| Net interest income | 1,554,000 | 3,136,000 | 4,777,000 | 6,430,000 |
| Noninterest income | 380,000 | 793,000 | 1,207,000 | 1,624,000 |
| Noninterest expense | 1,675,000 | 3,384,000 | 5,101,000 | 6,613,000 |
| Provision for loan losses | -71,000 | -51,000 | -24,000 | -19,000 |
| Pretax income | 330,000 | 596,000 | 907,000 | 1,464,000 |
| Income tax | 145,000 | 248,000 | 371,000 | 408,000 |
| Net income | 185,000 | 348,000 | 536,000 | 1,056,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,936,000 | 21,136,000 | 21,323,000 | 21,607,000 |
| Total capital | 22,269,000 | 22,503,000 | 22,678,000 | 22,994,000 |
| Risk-weighted assets | 105,766,000 | 108,469,000 | 107,511,000 | 109,937,000 |