Call reports 2015
INEZ DEPOSIT BANK — 2015
What INEZ DEPOSIT 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 | 158,000,000 | 153,588,000 | 152,240,000 | 156,501,000 |
| Total loans | 53,443,000 | 53,828,000 | 52,698,000 | 56,885,000 |
| Allowance for loan losses | 834,000 | 802,000 | 800,000 | 797,000 |
| Securities available for sale | 68,434,000 | 68,305,000 | 68,887,000 | 71,732,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,059,000 | 134,924,000 | 132,851,000 | 137,973,000 |
| Interest-bearing deposits | 111,593,000 | 107,638,000 | 107,266,000 | 105,862,000 |
| Noninterest-bearing deposits | 27,466,000 | 27,286,000 | 25,585,000 | 32,111,000 |
| Equity capital | 18,483,000 | 18,244,000 | 18,689,000 | 18,123,000 |
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 | 1,221,000 | 2,402,000 | 3,570,000 | 4,715,000 |
| Interest expense | 204,000 | 405,000 | 590,000 | 767,000 |
| Net interest income | 1,017,000 | 1,997,000 | 2,980,000 | 3,948,000 |
| Noninterest income | 262,000 | 506,000 | 759,000 | 1,024,000 |
| Noninterest expense | 1,176,000 | 2,327,000 | 3,439,000 | 4,514,000 |
| Provision for loan losses | 8,000 | 15,000 | 30,000 | 45,000 |
| Pretax income | 95,000 | 161,000 | 270,000 | 437,000 |
| Income tax | 17,000 | 27,000 | 59,000 | 122,000 |
| Net income | 78,000 | 134,000 | 211,000 | 315,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,153,000 | 18,209,000 | 18,286,000 | 18,190,000 |
| Total capital | 18,903,000 | 18,967,000 | 19,029,000 | 18,987,000 |
| Risk-weighted assets | 59,917,000 | 60,613,000 | 59,430,000 | 64,260,000 |