Call reports 2015
BANCROFT STATE BANK — 2015
What BANCROFT 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 | 70,374,000 | 69,021,000 | 72,087,000 | 75,593,000 |
| Total loans | 45,337,000 | 46,493,000 | 47,022,000 | 45,435,000 |
| Allowance for loan losses | 763,000 | 770,000 | 758,000 | 0 |
| Securities available for sale | 14,559,000 | 13,628,000 | 12,743,000 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 12,060,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,903,000 | 63,034,000 | 65,836,000 | 67,516,000 |
| Interest-bearing deposits | 50,901,000 | 49,491,000 | 50,184,000 | 51,841,000 |
| Noninterest-bearing deposits | 13,002,000 | 13,543,000 | 15,652,000 | 15,675,000 |
| Equity capital | 6,401,000 | 5,941,000 | 6,191,000 | 8,027,000 |
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 | 639,000 | 1,288,000 | 1,963,000 | 349,000 |
| Interest expense | 56,000 | 111,000 | 167,000 | 26,000 |
| Net interest income | 583,000 | 1,177,000 | 1,796,000 | 323,000 |
| Noninterest income | 75,000 | -406,000 | -431,000 | 58,000 |
| Noninterest expense | 522,000 | 1,029,000 | 1,473,000 | 242,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 136,000 | -258,000 | -108,000 | 139,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 136,000 | -258,000 | -108,000 | 139,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,365,000 | 5,996,000 | 6,146,000 | 7,565,000 |
| Total capital | 6,894,000 | 6,530,000 | 6,692,000 | 7,565,000 |
| Risk-weighted assets | 42,111,000 | 42,570,000 | 43,465,000 | 45,047,000 |