Call reports 2015
NEW BUFFALO SAVINGS BANK — 2015
What NEW BUFFALO SAVINGS BANK 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 | 89,191,000 | 91,449,000 | 91,381,000 | 95,048,000 |
| Total loans | 71,519,000 | 73,838,000 | 74,758,000 | 77,730,000 |
| Allowance for loan losses | 1,147,000 | 1,155,000 | 1,155,000 | 1,155,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,635,000 | 73,830,000 | 74,023,000 | 74,474,000 |
| Interest-bearing deposits | 68,194,000 | 70,608,000 | 70,599,000 | 71,131,000 |
| Noninterest-bearing deposits | 3,441,000 | 3,222,000 | 3,424,000 | 3,343,000 |
| Equity capital | 10,071,000 | 10,110,000 | 9,990,000 | 13,241,000 |
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 | 806,000 | 1,607,000 | 2,407,000 | 3,230,000 |
| Interest expense | 168,000 | 357,000 | 548,000 | 739,000 |
| Net interest income | 638,000 | 1,250,000 | 1,859,000 | 2,491,000 |
| Noninterest income | 253,000 | 519,000 | 615,000 | 752,000 |
| Noninterest expense | 829,000 | 1,649,000 | 2,489,000 | 3,417,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 62,000 | 120,000 | -15,000 | -174,000 |
| Income tax | 0 | 19,000 | 4,000 | 4,000 |
| Net income | 62,000 | 101,000 | -19,000 | -178,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,071,000 | 10,110,000 | 9,990,000 | 13,241,000 |
| Total capital | 10,867,000 | 10,903,000 | 10,810,000 | 14,072,000 |
| Risk-weighted assets | 63,291,000 | 63,088,000 | 65,329,000 | 66,183,000 |