Call reports 2015
BREDA SAVINGS BANK — 2015
What BREDA SAVINGS 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 | 49,541,000 | 50,416,000 | 53,229,000 | 53,315,000 |
| Total loans | 23,705,000 | 23,937,000 | 25,755,000 | 25,947,000 |
| Allowance for loan losses | 446,000 | 447,000 | 449,000 | 450,000 |
| Securities available for sale | 0 | 0 | 25,082,000 | 25,138,000 |
| Securities held to maturity | 23,994,000 | 24,536,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,625,000 | 31,682,000 | 32,408,000 | 33,207,000 |
| Interest-bearing deposits | 22,297,000 | 22,541,000 | 22,938,000 | 22,668,000 |
| Noninterest-bearing deposits | 10,328,000 | 9,141,000 | 9,470,000 | 10,539,000 |
| Equity capital | 7,264,000 | 7,470,000 | 7,891,000 | 7,200,000 |
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 | 488,000 | 959,000 | 1,483,000 | 1,875,000 |
| Interest expense | 30,000 | 63,000 | 99,000 | 137,000 |
| Net interest income | 458,000 | 896,000 | 1,384,000 | 1,738,000 |
| Noninterest income | 35,000 | 75,000 | 114,000 | 179,000 |
| Noninterest expense | 269,000 | 537,000 | 841,000 | 1,016,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 232,000 | 442,000 | 654,000 | 896,000 |
| Income tax | 0 | 5,000 | 13,000 | 21,000 |
| Net income | 232,000 | 437,000 | 641,000 | 875,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,264,000 | 7,470,000 | 7,673,000 | 7,038,000 |
| Total capital | 7,636,000 | 7,849,000 | 8,080,000 | 7,449,000 |
| Risk-weighted assets | 29,755,000 | 30,293,000 | 32,578,000 | 32,900,000 |