Call reports 2015
CARVER STATE BANK — 2015
What CARVER STATE 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 | 41,640,000 | 40,079,000 | 42,396,000 | 42,107,000 |
| Total loans | 24,221,000 | 24,208,000 | 24,727,000 | 23,827,000 |
| Allowance for loan losses | 332,000 | 265,000 | 289,000 | 421,000 |
| Securities available for sale | 5,270,000 | 5,270,000 | 4,278,000 | 4,261,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,696,000 | 33,205,000 | 35,515,000 | 35,592,000 |
| Interest-bearing deposits | 28,568,000 | 28,946,000 | 31,270,000 | 31,026,000 |
| Noninterest-bearing deposits | 5,127,000 | 4,259,000 | 4,245,000 | 4,566,000 |
| Equity capital | 4,340,000 | 4,305,000 | 4,299,000 | 3,861,000 |
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 | 490,000 | 958,000 | 1,445,000 | 1,850,000 |
| Interest expense | 66,000 | 141,000 | 183,000 | 241,000 |
| Net interest income | 424,000 | 817,000 | 1,262,000 | 1,609,000 |
| Noninterest income | 201,000 | 365,000 | 490,000 | 1,028,000 |
| Noninterest expense | 550,000 | 1,112,000 | 1,668,000 | 2,327,000 |
| Provision for loan losses | 0 | 30,000 | 55,000 | 226,000 |
| Pretax income | 75,000 | 40,000 | 29,000 | 84,000 |
| Income tax | 0 | 0 | 0 | -37,000 |
| Net income | 75,000 | 40,000 | 29,000 | 121,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,338,000 | 4,312,000 | 4,300,000 | 3,861,000 |
| Total capital | 4,670,000 | 4,577,000 | 4,589,000 | 4,208,000 |
| Risk-weighted assets | 27,554,000 | 27,002,000 | 27,715,000 | 27,695,000 |