Call reports 2015
STOCK EXCHANGE BANK — 2015
What STOCK EXCHANGE 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 | 48,897,000 | 49,964,000 | 50,344,000 | 51,678,000 |
| Total loans | 34,160,000 | 35,797,000 | 36,725,000 | 38,414,000 |
| Allowance for loan losses | 376,000 | 424,000 | 419,000 | 437,000 |
| Securities available for sale | 11,264,000 | 10,607,000 | 10,208,000 | 9,686,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,150,000 | 44,726,000 | 44,689,000 | 45,209,000 |
| Interest-bearing deposits | 37,248,000 | 37,315,000 | 37,263,000 | 37,529,000 |
| Noninterest-bearing deposits | 7,902,000 | 7,411,000 | 7,426,000 | 7,680,000 |
| Equity capital | 3,667,000 | 3,608,000 | 3,705,000 | 3,648,000 |
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 | 503,000 | 1,012,000 | 1,534,000 | 2,074,000 |
| Interest expense | 44,000 | 89,000 | 134,000 | 182,000 |
| Net interest income | 459,000 | 923,000 | 1,400,000 | 1,892,000 |
| Noninterest income | 37,000 | 89,000 | 135,000 | 176,000 |
| Noninterest expense | 390,000 | 815,000 | 1,218,000 | 1,711,000 |
| Provision for loan losses | 17,000 | 68,000 | 78,000 | 88,000 |
| Pretax income | 89,000 | 129,000 | 239,000 | 269,000 |
| Income tax | 31,000 | 45,000 | 85,000 | 92,000 |
| Net income | 58,000 | 84,000 | 154,000 | 177,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,600,000 | 3,581,000 | 3,648,000 | 3,642,000 |
| Total capital | 3,976,000 | 3,981,000 | 4,053,000 | 4,071,000 |
| Risk-weighted assets | 30,508,000 | 32,008,000 | 32,423,000 | 34,387,000 |