Call reports 2015
BANK OF BIRD-IN-HAND — 2015
What BANK OF BIRD-IN-HAND 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 | 82,142,000 | 96,275,000 | 110,055,000 | 119,957,000 |
| Total loans | 75,529,000 | 87,546,000 | 96,718,000 | 104,643,000 |
| Allowance for loan losses | 962,000 | 1,115,000 | 1,233,000 | 1,299,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,413,000 | 73,583,000 | 92,429,000 | 102,315,000 |
| Interest-bearing deposits | 56,766,000 | 67,006,000 | 83,965,000 | 92,298,000 |
| Noninterest-bearing deposits | 5,647,000 | 6,577,000 | 8,464,000 | 10,017,000 |
| Equity capital | 14,540,000 | 14,479,000 | 14,409,000 | 14,351,000 |
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 | 523,000 | 1,219,000 | 1,976,000 | 2,838,000 |
| Interest expense | 107,000 | 246,000 | 426,000 | 640,000 |
| Net interest income | 416,000 | 973,000 | 1,550,000 | 2,198,000 |
| Noninterest income | 17,000 | 43,000 | 80,000 | 144,000 |
| Noninterest expense | 442,000 | 933,000 | 1,499,000 | 2,203,000 |
| Provision for loan losses | 200,000 | 353,000 | 471,000 | 537,000 |
| Pretax income | -209,000 | -270,000 | -340,000 | -398,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -209,000 | -270,000 | -340,000 | -398,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,540,000 | 14,479,000 | 14,409,000 | 14,351,000 |
| Total capital | 15,411,000 | 15,491,000 | 15,527,000 | 15,539,000 |
| Risk-weighted assets | 69,608,000 | 80,879,000 | 89,343,000 | 94,905,000 |