Call reports 2015
1ST STATE BANK — 2015
What 1ST 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 | 210,960,000 | 205,341,000 | 206,488,000 | 218,349,000 |
| Total loans | 147,204,000 | 152,619,000 | 152,954,000 | 159,465,000 |
| Allowance for loan losses | 2,085,000 | 2,149,000 | 2,026,000 | 2,151,000 |
| Securities available for sale | 18,308,000 | 17,767,000 | 18,460,000 | 16,046,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,297,000 | 175,229,000 | 177,230,000 | 188,702,000 |
| Interest-bearing deposits | 128,588,000 | 118,711,000 | 116,643,000 | 115,067,000 |
| Noninterest-bearing deposits | 54,709,000 | 56,518,000 | 60,587,000 | 73,635,000 |
| Equity capital | 19,342,000 | 19,677,000 | 19,163,000 | 19,296,000 |
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 | 1,892,000 | 3,904,000 | 5,921,000 | 7,946,000 |
| Interest expense | 213,000 | 389,000 | 553,000 | 727,000 |
| Net interest income | 1,679,000 | 3,515,000 | 5,368,000 | 7,219,000 |
| Noninterest income | 245,000 | 504,000 | 779,000 | 1,031,000 |
| Noninterest expense | 1,457,000 | 2,945,000 | 4,387,000 | 5,915,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 330,000 |
| Pretax income | 392,000 | 924,000 | 1,536,000 | 2,023,000 |
| Income tax | 135,000 | 318,000 | 528,000 | 695,000 |
| Net income | 257,000 | 606,000 | 1,008,000 | 1,328,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,298,000 | 19,647,000 | 19,124,000 | 19,306,000 |
| Total capital | 21,383,000 | 21,796,000 | 21,150,000 | 21,457,000 |
| Risk-weighted assets | 176,614,000 | 178,030,000 | 181,385,000 | 188,416,000 |