Call reports 2015
FIRST STATE BANK OF CANDO — 2015
What FIRST STATE BANK OF CANDO 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 | 58,273,000 | 55,357,000 | 56,713,000 | 57,636,000 |
| Total loans | 32,285,000 | 33,577,000 | 33,817,000 | 33,880,000 |
| Allowance for loan losses | 333,000 | 316,000 | 317,000 | 298,000 |
| Securities available for sale | 18,564,000 | 19,035,000 | 18,462,000 | 19,408,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,523,000 | 48,711,000 | 49,870,000 | 50,634,000 |
| Interest-bearing deposits | 39,316,000 | 38,701,000 | 39,327,000 | 39,625,000 |
| Noninterest-bearing deposits | 12,207,000 | 10,010,000 | 10,543,000 | 11,009,000 |
| Equity capital | 5,507,000 | 5,386,000 | 5,633,000 | 5,475,000 |
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 | 506,000 | 1,018,000 | 1,552,000 | 2,090,000 |
| Interest expense | 50,000 | 102,000 | 157,000 | 214,000 |
| Net interest income | 456,000 | 916,000 | 1,395,000 | 1,876,000 |
| Noninterest income | 36,000 | 72,000 | 114,000 | 152,000 |
| Noninterest expense | 416,000 | 817,000 | 1,204,000 | 1,598,000 |
| Provision for loan losses | -220,000 | -220,000 | -220,000 | -240,000 |
| Pretax income | 297,000 | 395,000 | 529,000 | 631,000 |
| Income tax | 13,000 | 18,000 | 24,000 | 27,000 |
| Net income | 284,000 | 377,000 | 505,000 | 604,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,098,000 | 5,192,000 | 5,320,000 | 5,194,000 |
| Total capital | 5,433,000 | 5,510,000 | 5,637,000 | 5,492,000 |
| Risk-weighted assets | 37,330,000 | 37,913,000 | 38,061,000 | 37,913,000 |