Call reports 2015
STATE BANK OF DELANO — 2015
What STATE BANK OF DELANO 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 | 79,759,000 | 82,027,000 | 88,481,000 | 88,616,000 |
| Total loans | 44,236,000 | 43,621,000 | 40,520,000 | 39,113,000 |
| Allowance for loan losses | 1,160,000 | 1,106,000 | 1,009,000 | 723,000 |
| Securities available for sale | 11,169,000 | 11,077,000 | 13,822,000 | 13,775,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,292,000 | 75,604,000 | 81,452,000 | 81,693,000 |
| Interest-bearing deposits | 57,049,000 | 58,528,000 | 60,139,000 | 60,508,000 |
| Noninterest-bearing deposits | 16,243,000 | 17,076,000 | 21,313,000 | 21,185,000 |
| Equity capital | 5,263,000 | 5,221,000 | 5,769,000 | 5,744,000 |
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 | 721,000 | 1,413,000 | 2,101,000 | 2,770,000 |
| Interest expense | 28,000 | 56,000 | 84,000 | 111,000 |
| Net interest income | 693,000 | 1,357,000 | 2,017,000 | 2,659,000 |
| Noninterest income | 169,000 | 299,000 | 525,000 | 724,000 |
| Noninterest expense | 639,000 | 1,314,000 | 1,966,000 | 2,727,000 |
| Provision for loan losses | 0 | 0 | -169,000 | -169,000 |
| Pretax income | 223,000 | 342,000 | 745,000 | 825,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 223,000 | 342,000 | 745,000 | 825,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,306,000 | 5,425,000 | 5,827,000 | 5,908,000 |
| Total capital | 5,970,000 | 6,076,000 | 6,454,000 | 6,528,000 |
| Risk-weighted assets | 52,615,000 | 51,663,000 | 49,738,000 | 49,480,000 |