Call reports 2015
ST. HENRY BANK, THE — 2015
What ST. HENRY BANK, THE 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 | 269,472,000 | 271,548,000 | 301,475,000 | 316,315,000 |
| Total loans | 135,520,000 | 137,708,000 | 141,043,000 | 153,449,000 |
| Allowance for loan losses | 1,935,000 | 1,950,000 | 1,879,000 | 1,855,000 |
| Securities available for sale | 104,566,000 | 112,704,000 | 121,227,000 | 126,399,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,707,000 | 221,866,000 | 251,056,000 | 265,035,000 |
| Interest-bearing deposits | 170,407,000 | 174,786,000 | 182,496,000 | 187,375,000 |
| Noninterest-bearing deposits | 46,300,000 | 47,080,000 | 68,560,000 | 77,660,000 |
| Equity capital | 42,392,000 | 39,677,000 | 40,991,000 | 42,126,000 |
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 | 2,378,000 | 4,773,000 | 7,233,000 | 9,837,000 |
| Interest expense | 275,000 | 547,000 | 820,000 | 1,076,000 |
| Net interest income | 2,103,000 | 4,226,000 | 6,413,000 | 8,761,000 |
| Noninterest income | 180,000 | 417,000 | 668,000 | 963,000 |
| Noninterest expense | 931,000 | 1,809,000 | 2,758,000 | 3,806,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 1,337,000 | 2,873,000 | 4,333,000 | 5,927,000 |
| Income tax | 3,000 | -8,000 | -8,000 | -8,000 |
| Net income | 1,334,000 | 2,881,000 | 4,341,000 | 5,935,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,457,000 | 39,657,000 | 39,931,000 | 41,525,000 |
| Total capital | 42,355,000 | 41,608,000 | 41,810,000 | 43,380,000 |
| Risk-weighted assets | 156,061,000 | 156,089,000 | 158,154,000 | 168,588,000 |