Call reports 2015
STATE-INVESTORS BANK — 2015
What STATE-INVESTORS 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 |
|---|---|---|---|
| Total assets | 266,834,000 | 262,126,000 | 248,681,000 |
| Total loans | 216,981,000 | 208,351,000 | 201,595,000 |
| Allowance for loan losses | 1,447,000 | 1,497,000 | 1,547,000 |
| Securities available for sale | 33,381,000 | 30,881,000 | 28,549,000 |
| Securities held to maturity | 232,000 | 217,000 | 201,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 156,231,000 | 154,982,000 | 150,635,000 |
| Interest-bearing deposits | 144,325,000 | 142,170,000 | 138,885,000 |
| Noninterest-bearing deposits | 11,906,000 | 12,812,000 | 11,750,000 |
| Equity capital | 39,086,000 | 39,353,000 | 39,935,000 |
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 |
|---|---|---|---|
| Interest income | 2,945,000 | 5,796,000 | 8,529,000 |
| Interest expense | 635,000 | 1,275,000 | 1,917,000 |
| Net interest income | 2,310,000 | 4,521,000 | 6,612,000 |
| Noninterest income | 28,000 | 60,000 | 85,000 |
| Noninterest expense | 1,781,000 | 3,342,000 | 4,775,000 |
| Provision for loan losses | 50,000 | 100,000 | 150,000 |
| Pretax income | 507,000 | 1,139,000 | 1,772,000 |
| Income tax | 166,000 | 461,000 | 497,000 |
| Net income | 341,000 | 678,000 | 1,275,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 |
|---|---|---|---|
| Tier 1 capital | 38,665,000 | 39,002,000 | 39,601,000 |
| Total capital | 40,112,000 | 40,499,000 | 41,148,000 |
| Risk-weighted assets | 172,458,000 | 167,249,000 | 160,465,000 |