Call reports 2015
SCRIBNER BANK — 2015
What SCRIBNER 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 | 74,972,000 | 70,752,000 | 64,560,000 | 69,837,000 |
| Total loans | 41,930,000 | 42,118,000 | 44,085,000 | 46,148,000 |
| Allowance for loan losses | 623,000 | 625,000 | 627,000 | 627,000 |
| Securities available for sale | 14,114,000 | 13,916,000 | 13,752,000 | 12,548,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,474,000 | 61,962,000 | 56,082,000 | 61,321,000 |
| Interest-bearing deposits | 34,005,000 | 35,274,000 | 33,807,000 | 31,160,000 |
| Noninterest-bearing deposits | 32,469,000 | 26,688,000 | 22,275,000 | 30,161,000 |
| Equity capital | 7,735,000 | 7,942,000 | 7,999,000 | 8,121,000 |
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 | 594,000 | 1,187,000 | 1,781,000 | 2,380,000 |
| Interest expense | 18,000 | 37,000 | 55,000 | 73,000 |
| Net interest income | 576,000 | 1,150,000 | 1,726,000 | 2,307,000 |
| Noninterest income | 336,000 | 699,000 | 1,115,000 | 1,503,000 |
| Noninterest expense | 602,000 | 1,201,000 | 1,813,000 | 2,560,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | 10,000 |
| Pretax income | 300,000 | 638,000 | 1,018,000 | 1,240,000 |
| Income tax | 93,000 | 199,000 | 318,000 | 386,000 |
| Net income | 207,000 | 439,000 | 700,000 | 854,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,652,000 | 7,867,000 | 7,914,000 | 8,054,000 |
| Total capital | 8,275,000 | 8,492,000 | 8,541,000 | 8,681,000 |
| Risk-weighted assets | 50,019,000 | 51,003,000 | 50,819,000 | 53,217,000 |