Call reports 2015
PLUS INTERNATIONAL BANK — 2015
What PLUS INTERNATIONAL 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 | 125,817,000 | 115,733,000 | 107,643,000 | 103,451,000 |
| Total loans | 41,169,000 | 37,489,000 | 37,593,000 | 40,511,000 |
| Allowance for loan losses | 364,000 | 515,000 | 525,000 | 591,000 |
| Securities available for sale | 52,922,000 | 48,937,000 | 47,725,000 | 35,644,000 |
| Securities held to maturity | 650,000 | 650,000 | 650,000 | 650,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,364,000 | 100,943,000 | 92,483,000 | 88,180,000 |
| Interest-bearing deposits | 96,328,000 | 88,666,000 | 78,261,000 | 72,611,000 |
| Noninterest-bearing deposits | 14,035,000 | 12,277,000 | 14,222,000 | 15,569,000 |
| Equity capital | 14,623,000 | 14,129,000 | 14,456,000 | 14,424,000 |
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 | 1,310,000 | 2,368,000 | 3,360,000 | 4,319,000 |
| Interest expense | 195,000 | 377,000 | 545,000 | 706,000 |
| Net interest income | 1,115,000 | 1,991,000 | 2,815,000 | 3,613,000 |
| Noninterest income | 42,000 | 101,000 | 164,000 | 216,000 |
| Noninterest expense | 898,000 | 1,770,000 | 2,624,000 | 3,515,000 |
| Provision for loan losses | 80,000 | 189,000 | 189,000 | 253,000 |
| Pretax income | 566,000 | 538,000 | 578,000 | 563,000 |
| Income tax | 127,000 | 112,000 | 127,000 | 114,000 |
| Net income | 439,000 | 426,000 | 451,000 | 449,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,575,000 | 14,562,000 | 14,586,000 | 14,585,000 |
| Total capital | 14,949,000 | 15,077,000 | 15,121,000 | 15,176,000 |
| Risk-weighted assets | 54,174,000 | 51,159,000 | 61,359,000 | 48,447,000 |