Call reports 2015
STATE BANK OF NEW RICHLAND — 2015
What STATE BANK OF NEW RICHLAND 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 | 95,020,000 | 99,078,000 | 99,463,000 | 101,967,000 |
| Total loans | 76,659,000 | 80,863,000 | 81,813,000 | 83,744,000 |
| Allowance for loan losses | 893,000 | 893,000 | 958,000 | 1,011,000 |
| Securities available for sale | 15,101,000 | 14,552,000 | 14,328,000 | 14,119,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,005,000 | 65,230,000 | 67,712,000 | 68,992,000 |
| Interest-bearing deposits | 59,026,000 | 56,786,000 | 59,756,000 | 57,850,000 |
| Noninterest-bearing deposits | 9,979,000 | 8,444,000 | 7,956,000 | 11,142,000 |
| Equity capital | 9,533,000 | 9,547,000 | 10,041,000 | 9,441,000 |
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 | 1,160,000 | 2,407,000 | 3,652,000 | 4,898,000 |
| Interest expense | 336,000 | 671,000 | 1,001,000 | 1,332,000 |
| Net interest income | 824,000 | 1,736,000 | 2,651,000 | 3,566,000 |
| Noninterest income | 66,000 | 125,000 | 193,000 | 258,000 |
| Noninterest expense | 330,000 | 705,000 | 1,083,000 | 1,537,000 |
| Provision for loan losses | 41,000 | 41,000 | 113,000 | 169,000 |
| Pretax income | 522,000 | 1,118,000 | 1,651,000 | 2,121,000 |
| Income tax | 1,000 | 0 | 1,000 | 1,000 |
| Net income | 521,000 | 1,118,000 | 1,650,000 | 2,120,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,708,000 | 8,902,000 | 9,234,000 | 8,603,000 |
| Total capital | 9,601,000 | 9,795,000 | 10,192,000 | 9,614,000 |
| Risk-weighted assets | 76,658,000 | 80,786,000 | 81,669,000 | 83,600,000 |