Call reports 2015
F & C BANK — 2015
What F & C 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 | 172,580,000 | 173,512,000 | 167,828,000 | 173,646,000 |
| Total loans | 128,253,000 | 132,623,000 | 134,055,000 | 140,277,000 |
| Allowance for loan losses | 1,899,000 | 1,983,000 | 2,054,000 | 2,086,000 |
| Securities available for sale | 11,100,000 | 12,144,000 | 12,615,000 | 13,323,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,907,000 | 151,970,000 | 144,090,000 | 145,248,000 |
| Interest-bearing deposits | 83,433,000 | 78,362,000 | 76,799,000 | 92,010,000 |
| Noninterest-bearing deposits | 67,474,000 | 73,608,000 | 67,291,000 | 53,239,000 |
| Equity capital | 16,938,000 | 16,902,000 | 17,445,000 | 17,877,000 |
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 | 1,965,000 | 4,058,000 | 6,099,000 | 8,212,000 |
| Interest expense | 156,000 | 315,000 | 473,000 | 622,000 |
| Net interest income | 1,809,000 | 3,743,000 | 5,626,000 | 7,590,000 |
| Noninterest income | 282,000 | 622,000 | 939,000 | 1,231,000 |
| Noninterest expense | 1,454,000 | 2,898,000 | 4,364,000 | 5,867,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 562,000 | 1,317,000 | 1,976,000 | 2,654,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 562,000 | 1,317,000 | 1,976,000 | 2,654,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,488,000 | 16,788,000 | 17,337,000 | 17,765,000 |
| Total capital | 18,142,000 | 18,465,000 | 19,137,000 | 19,567,000 |
| Risk-weighted assets | 132,100,000 | 133,848,000 | 143,745,000 | 143,893,000 |