Call reports 2015
REDSTONE BANK — 2015
What REDSTONE 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 | 86,986,000 | 88,993,000 | 92,894,000 | 92,076,000 |
| Total loans | 64,423,000 | 73,600,000 | 73,943,000 | 74,125,000 |
| Allowance for loan losses | 830,000 | 960,000 | 966,000 | 967,000 |
| Securities available for sale | 1,762,000 | 1,762,000 | 1,761,000 | 1,754,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,089,000 | 77,933,000 | 81,618,000 | 80,460,000 |
| Interest-bearing deposits | 52,342,000 | 58,446,000 | 57,586,000 | 55,601,000 |
| Noninterest-bearing deposits | 23,747,000 | 19,487,000 | 24,032,000 | 24,859,000 |
| Equity capital | 10,524,000 | 10,754,000 | 11,020,000 | 11,280,000 |
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 | 1,115,000 | 2,406,000 | 3,708,000 | 5,001,000 |
| Interest expense | 101,000 | 207,000 | 325,000 | 442,000 |
| Net interest income | 1,014,000 | 2,199,000 | 3,383,000 | 4,559,000 |
| Noninterest income | 28,000 | 56,000 | 85,000 | 117,000 |
| Noninterest expense | 752,000 | 1,507,000 | 2,237,000 | 3,000,000 |
| Provision for loan losses | 58,000 | 188,000 | 193,000 | 193,000 |
| Pretax income | 232,000 | 560,000 | 1,038,000 | 1,483,000 |
| Income tax | 80,000 | 190,000 | 310,000 | 499,000 |
| Net income | 152,000 | 370,000 | 728,000 | 984,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,317,000 | 10,753,000 | 11,020,000 | 11,280,000 |
| Total capital | 11,122,000 | 11,619,000 | 11,913,000 | 12,188,000 |
| Risk-weighted assets | 64,393,000 | 69,145,000 | 71,353,000 | 72,635,000 |