Call reports 2015
PICKENS SAVINGS AND LOAN ASSOCIATION, FEDERAL ASSOCIATION — 2015
What PICKENS SAVINGS AND LOAN ASSOCIATION, FEDERAL ASSOCIATION 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 | 92,912,000 | 93,083,000 | 92,343,000 | 92,328,000 |
| Total loans | 56,800,000 | 57,482,000 | 56,250,000 | 55,124,000 |
| Allowance for loan losses | 880,000 | 880,000 | 879,000 | 879,000 |
| Securities available for sale | 21,795,000 | 22,180,000 | 21,356,000 | 21,440,000 |
| Securities held to maturity | 1,320,000 | 1,826,000 | 1,824,000 | 2,259,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,169,000 | 74,362,000 | 73,404,000 | 73,311,000 |
| Interest-bearing deposits | 72,270,000 | 72,619,000 | 71,390,000 | 71,630,000 |
| Noninterest-bearing deposits | 1,899,000 | 1,743,000 | 2,014,000 | 1,681,000 |
| Equity capital | 9,525,000 | 9,447,000 | 9,630,000 | 9,750,000 |
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 | 898,000 | 1,783,000 | 2,662,000 | 3,510,000 |
| Interest expense | 121,000 | 245,000 | 370,000 | 489,000 |
| Net interest income | 777,000 | 1,538,000 | 2,292,000 | 3,021,000 |
| Noninterest income | -133,000 | -82,000 | -13,000 | 45,000 |
| Noninterest expense | 678,000 | 1,358,000 | 2,026,000 | 2,709,000 |
| Provision for loan losses | -190,000 | -190,000 | -190,000 | -190,000 |
| Pretax income | 157,000 | 289,000 | 443,000 | 545,000 |
| Income tax | 27,000 | 44,000 | 72,000 | 80,000 |
| Net income | 130,000 | 245,000 | 371,000 | 465,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,220,000 | 9,283,000 | 9,413,000 | 9,507,000 |
| Total capital | 9,880,000 | 9,952,000 | 10,073,000 | 10,154,000 |
| Risk-weighted assets | 52,593,000 | 53,324,000 | 52,587,000 | 51,491,000 |