Call reports 2015
ERGO BANK — 2015
What ERGO 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 | 75,136,000 | 72,487,000 | 75,515,000 | 78,493,000 |
| Total loans | 39,744,000 | 37,875,000 | 37,508,000 | 38,955,000 |
| Allowance for loan losses | 785,000 | 887,000 | 771,000 | 777,000 |
| Securities available for sale | 29,095,000 | 28,629,000 | 30,474,000 | 31,311,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,564,000 | 59,034,000 | 61,834,000 | 63,776,000 |
| Interest-bearing deposits | 56,441,000 | 55,120,000 | 55,967,000 | 58,010,000 |
| Noninterest-bearing deposits | 4,122,000 | 3,914,000 | 5,867,000 | 5,766,000 |
| Equity capital | 10,942,000 | 10,806,000 | 10,973,000 | 11,016,000 |
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 | 748,000 | 1,462,000 | 2,164,000 | 2,889,000 |
| Interest expense | 57,000 | 110,000 | 167,000 | 224,000 |
| Net interest income | 691,000 | 1,352,000 | 1,997,000 | 2,665,000 |
| Noninterest income | 111,000 | 194,000 | 299,000 | 396,000 |
| Noninterest expense | 572,000 | 1,064,000 | 1,654,000 | 2,364,000 |
| Provision for loan losses | 32,000 | 164,000 | 107,000 | 19,000 |
| Pretax income | 198,000 | 318,000 | 535,000 | 679,000 |
| Income tax | 11,000 | 39,000 | 59,000 | 44,000 |
| Net income | 187,000 | 279,000 | 476,000 | 635,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,170,000 | 9,684,000 | 9,842,000 | 9,906,000 |
| Total capital | 10,741,000 | 10,243,000 | 10,406,000 | 10,491,000 |
| Risk-weighted assets | 45,529,000 | 44,007,000 | 44,622,000 | 46,304,000 |