Call reports 2015
MILLEDGEVILLE STATE BANK — 2015
What MILLEDGEVILLE STATE 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 | 111,646,000 | 115,335,000 | 118,125,000 | 121,214,000 |
| Total loans | 73,317,000 | 74,805,000 | 77,364,000 | 78,753,000 |
| Allowance for loan losses | 740,000 | 789,000 | 876,000 | 863,000 |
| Securities available for sale | 30,339,000 | 31,888,000 | 31,484,000 | 31,864,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,101,000 | 85,641,000 | 86,671,000 | 89,583,000 |
| Interest-bearing deposits | 74,408,000 | 78,306,000 | 78,991,000 | 76,951,000 |
| Noninterest-bearing deposits | 8,693,000 | 7,335,000 | 7,680,000 | 12,632,000 |
| Equity capital | 12,899,000 | 12,562,000 | 12,937,000 | 13,411,000 |
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 | 1,156,000 | 2,381,000 | 3,626,000 | 4,885,000 |
| Interest expense | 154,000 | 332,000 | 517,000 | 711,000 |
| Net interest income | 1,002,000 | 2,049,000 | 3,109,000 | 4,174,000 |
| Noninterest income | 34,000 | 84,000 | 137,000 | 168,000 |
| Noninterest expense | 462,000 | 922,000 | 1,440,000 | 1,911,000 |
| Provision for loan losses | 40,000 | 89,000 | 176,000 | 222,000 |
| Pretax income | 548,000 | 1,139,000 | 1,668,000 | 2,259,000 |
| Income tax | 7,000 | 13,000 | 20,000 | 26,000 |
| Net income | 541,000 | 1,126,000 | 1,648,000 | 2,233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,619,000 | 11,783,000 | 12,045,000 | 12,626,000 |
| Total capital | 12,359,000 | 12,572,000 | 12,921,000 | 13,489,000 |
| Risk-weighted assets | 82,914,000 | 85,955,000 | 87,500,000 | 89,759,000 |