Call reports 2015
STATE BANK OF CHERRY — 2015
What STATE BANK OF CHERRY 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 | 86,259,000 | 83,509,000 | 84,551,000 | 85,612,000 |
| Total loans | 29,053,000 | 32,735,000 | 34,362,000 | 36,164,000 |
| Allowance for loan losses | 421,000 | 427,000 | 434,000 | 441,000 |
| Securities available for sale | 40,629,000 | 36,040,000 | 35,393,000 | 33,989,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,226,000 | 72,546,000 | 73,446,000 | 74,522,000 |
| Interest-bearing deposits | 65,014,000 | 63,053,000 | 62,799,000 | 62,163,000 |
| Noninterest-bearing deposits | 10,212,000 | 9,493,000 | 10,647,000 | 12,359,000 |
| Equity capital | 10,935,000 | 10,855,000 | 10,985,000 | 11,028,000 |
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 | 562,000 | 1,121,000 | 1,690,000 | 2,283,000 |
| Interest expense | 71,000 | 138,000 | 200,000 | 263,000 |
| Net interest income | 491,000 | 983,000 | 1,490,000 | 2,020,000 |
| Noninterest income | 27,000 | 50,000 | 75,000 | 98,000 |
| Noninterest expense | 312,000 | 621,000 | 931,000 | 1,228,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 200,000 | 466,000 | 683,000 | 933,000 |
| Income tax | 4,000 | 7,000 | 12,000 | 15,000 |
| Net income | 196,000 | 459,000 | 671,000 | 918,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,244,000 | 10,382,000 | 10,469,000 | 10,574,000 |
| Total capital | 10,637,000 | 10,809,000 | 10,903,000 | 11,015,000 |
| Risk-weighted assets | 31,400,000 | 34,337,000 | 36,173,000 | 37,693,000 |