Call reports 2015
FRIENDS BANK — 2015
What FRIENDS 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 | 98,013,000 | 97,438,000 | 94,806,000 | 94,508,000 |
| Total loans | 67,490,000 | 68,910,000 | 68,139,000 | 67,511,000 |
| Allowance for loan losses | 1,090,000 | 1,121,000 | 1,189,000 | 1,249,000 |
| Securities available for sale | 2,578,000 | 2,456,000 | 2,306,000 | 2,190,000 |
| Securities held to maturity | 757,000 | 715,000 | 668,000 | 632,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,426,000 | 90,777,000 | 87,667,000 | 87,362,000 |
| Interest-bearing deposits | 74,217,000 | 73,295,000 | 72,327,000 | 69,542,000 |
| Noninterest-bearing deposits | 17,209,000 | 17,482,000 | 15,340,000 | 17,820,000 |
| Equity capital | 6,246,000 | 6,327,000 | 6,806,000 | 7,008,000 |
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 | 886,000 | 1,810,000 | 2,759,000 | 3,684,000 |
| Interest expense | 101,000 | 199,000 | 290,000 | 379,000 |
| Net interest income | 785,000 | 1,611,000 | 2,469,000 | 3,305,000 |
| Noninterest income | 92,000 | 193,000 | 322,000 | 389,000 |
| Noninterest expense | 814,000 | 1,650,000 | 2,521,000 | 3,344,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 63,000 | 154,000 | 270,000 | 350,000 |
| Income tax | 0 | 2,000 | -355,000 | -355,000 |
| Net income | 63,000 | 152,000 | 625,000 | 705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,216,000 | 6,311,000 | 6,636,000 | 6,898,000 |
| Total capital | 7,080,000 | 7,203,000 | 7,515,000 | 7,758,000 |
| Risk-weighted assets | 68,929,000 | 71,142,000 | 69,976,000 | 68,393,000 |