Call reports 2015
EDGARTOWN NATIONAL BANK, THE — 2015
What EDGARTOWN NATIONAL BANK, THE 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 | 174,938,000 | 177,232,000 | 189,266,000 | 177,659,000 |
| Total loans | 146,615,000 | 146,712,000 | 145,312,000 | 149,195,000 |
| Allowance for loan losses | 1,374,000 | 1,384,000 | 1,381,000 | 1,400,000 |
| Securities available for sale | 14,428,000 | 15,657,000 | 17,394,000 | 16,399,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,709,000 | 148,448,000 | 163,632,000 | 152,380,000 |
| Interest-bearing deposits | 115,471,000 | 118,642,000 | 127,390,000 | 121,760,000 |
| Noninterest-bearing deposits | 22,238,000 | 29,806,000 | 36,242,000 | 30,621,000 |
| Equity capital | 16,547,000 | 16,769,000 | 17,128,000 | 17,444,000 |
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 | 1,567,000 | 3,164,000 | 4,750,000 | 6,322,000 |
| Interest expense | 139,000 | 290,000 | 456,000 | 631,000 |
| Net interest income | 1,428,000 | 2,874,000 | 4,294,000 | 5,691,000 |
| Noninterest income | 122,000 | 313,000 | 547,000 | 727,000 |
| Noninterest expense | 1,173,000 | 2,331,000 | 3,487,000 | 4,592,000 |
| Provision for loan losses | 33,000 | 42,000 | 42,000 | 60,000 |
| Pretax income | 344,000 | 814,000 | 1,312,000 | 1,766,000 |
| Income tax | 130,000 | 312,000 | 498,000 | 668,000 |
| Net income | 214,000 | 502,000 | 814,000 | 1,098,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,828,000 | 17,185,000 | 17,497,000 | 17,781,000 |
| Total capital | 18,270,000 | 18,637,000 | 18,947,000 | 19,257,000 |
| Risk-weighted assets | 122,477,000 | 122,803,000 | 125,298,000 | 127,475,000 |