Call reports 2015
NEWPORT FEDERAL BANK — 2015
What NEWPORT FEDERAL 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 | 195,293,000 | 194,685,000 | 194,616,000 | 196,608,000 |
| Total loans | 95,707,000 | 94,579,000 | 94,655,000 | 95,340,000 |
| Allowance for loan losses | 2,226,000 | 2,213,000 | 2,204,000 | 2,029,000 |
| Securities available for sale | 80,785,000 | 82,900,000 | 82,636,000 | 85,303,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,985,000 | 173,587,000 | 172,770,000 | 174,489,000 |
| Interest-bearing deposits | 167,839,000 | 167,613,000 | 166,817,000 | 168,020,000 |
| Noninterest-bearing deposits | 6,146,000 | 5,974,000 | 5,953,000 | 6,469,000 |
| Equity capital | 19,546,000 | 19,271,000 | 19,864,000 | 20,223,000 |
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 | 1,696,000 | 3,371,000 | 5,028,000 | 6,744,000 |
| Interest expense | 229,000 | 469,000 | 716,000 | 958,000 |
| Net interest income | 1,467,000 | 2,902,000 | 4,312,000 | 5,786,000 |
| Noninterest income | 155,000 | 304,000 | 437,000 | 584,000 |
| Noninterest expense | 914,000 | 1,868,000 | 2,833,000 | 3,872,000 |
| Provision for loan losses | 78,000 | 78,000 | 78,000 | 0 |
| Pretax income | 636,000 | 1,266,000 | 1,850,000 | 2,509,000 |
| Income tax | 230,000 | 458,000 | 670,000 | 822,000 |
| Net income | 406,000 | 808,000 | 1,180,000 | 1,687,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,516,000 | 19,569,000 | 19,940,000 | 20,447,000 |
| Total capital | 20,561,000 | 20,615,000 | 20,981,000 | 21,505,000 |
| Risk-weighted assets | 82,472,000 | 82,545,000 | 82,179,000 | 83,685,000 |