Call reports 2015
BANK OF CALHOUN COUNTY — 2015
What BANK OF CALHOUN COUNTY 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 | 68,393,000 | 67,905,000 | 69,360,000 | 70,094,000 |
| Total loans | 32,170,000 | 32,450,000 | 33,686,000 | 33,992,000 |
| Allowance for loan losses | 273,000 | 270,000 | 256,000 | 248,000 |
| Securities available for sale | 25,835,000 | 24,434,000 | 23,201,000 | 21,767,000 |
| Securities held to maturity | 320,000 | 308,000 | 303,000 | 296,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,405,000 | 60,884,000 | 62,343,000 | 63,043,000 |
| Interest-bearing deposits | 48,827,000 | 48,025,000 | 48,231,000 | 49,764,000 |
| Noninterest-bearing deposits | 12,578,000 | 12,859,000 | 14,112,000 | 13,279,000 |
| Equity capital | 6,333,000 | 6,336,000 | 6,368,000 | 6,358,000 |
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 | 484,000 | 963,000 | 1,463,000 | 1,961,000 |
| Interest expense | 80,000 | 157,000 | 233,000 | 307,000 |
| Net interest income | 404,000 | 806,000 | 1,230,000 | 1,654,000 |
| Noninterest income | 47,000 | 103,000 | 160,000 | 449,000 |
| Noninterest expense | 401,000 | 791,000 | 1,190,000 | 1,726,000 |
| Provision for loan losses | 0 | 0 | 0 | 75,000 |
| Pretax income | 50,000 | 118,000 | 200,000 | 302,000 |
| Income tax | 13,000 | 23,000 | 36,000 | 37,000 |
| Net income | 37,000 | 95,000 | 164,000 | 265,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,249,000 | 5,280,000 | 5,316,000 | 5,381,000 |
| Total capital | 5,522,000 | 5,550,000 | 5,572,000 | 5,629,000 |
| Risk-weighted assets | 33,247,000 | 33,311,000 | 34,340,000 | 34,505,000 |