Call reports 2015
BANK OF CLOVIS, THE — 2015
What BANK OF CLOVIS, THE 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 | 214,146,000 | 221,773,000 | 220,045,000 | 210,215,000 |
| Total loans | 91,061,000 | 90,585,000 | 88,679,000 | 90,326,000 |
| Allowance for loan losses | 1,276,000 | 1,289,000 | 1,195,000 | 1,798,000 |
| Securities available for sale | 72,372,000 | 87,897,000 | 84,042,000 | 82,557,000 |
| Securities held to maturity | 16,751,000 | 16,727,000 | 16,628,000 | 16,604,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,889,000 | 182,092,000 | 180,636,000 | 182,151,000 |
| Interest-bearing deposits | 135,974,000 | 142,494,000 | 139,618,000 | 128,965,000 |
| Noninterest-bearing deposits | 40,915,000 | 39,598,000 | 41,018,000 | 53,185,000 |
| Equity capital | 21,263,000 | 21,376,000 | 22,094,000 | 22,188,000 |
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 | 1,862,000 | 3,828,000 | 5,810,000 | 7,796,000 |
| Interest expense | 315,000 | 645,000 | 934,000 | 1,158,000 |
| Net interest income | 1,547,000 | 3,183,000 | 4,876,000 | 6,638,000 |
| Noninterest income | 196,000 | 395,000 | 586,000 | 781,000 |
| Noninterest expense | 1,214,000 | 2,385,000 | 3,570,000 | 4,870,000 |
| Provision for loan losses | 75,000 | 125,000 | 125,000 | 745,000 |
| Pretax income | 454,000 | 1,068,000 | 1,767,000 | 1,750,000 |
| Income tax | 75,000 | 221,000 | 382,000 | 285,000 |
| Net income | 379,000 | 847,000 | 1,385,000 | 1,465,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,764,000 | 21,232,000 | 21,769,000 | 21,851,000 |
| Total capital | 22,015,000 | 22,532,000 | 22,989,000 | 23,020,000 |
| Risk-weighted assets | 100,093,000 | 104,002,000 | 101,020,000 | 92,874,000 |