Call reports 2015
SANBORN SAVINGS BANK — 2015
What SANBORN SAVINGS 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 | 57,718,000 | 58,597,000 | 61,155,000 | 69,816,000 |
| Total loans | 39,498,000 | 41,518,000 | 44,502,000 | 47,677,000 |
| Allowance for loan losses | 421,000 | 432,000 | 441,000 | 425,000 |
| Securities available for sale | 12,605,000 | 10,612,000 | 10,291,000 | 9,859,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,009,000 | 45,444,000 | 48,882,000 | 55,836,000 |
| Interest-bearing deposits | 41,581,000 | 41,011,000 | 42,691,000 | 46,746,000 |
| Noninterest-bearing deposits | 5,428,000 | 4,433,000 | 6,191,000 | 9,090,000 |
| Equity capital | 6,531,000 | 6,508,000 | 6,601,000 | 6,584,000 |
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 | 524,000 | 1,056,000 | 1,615,000 | 2,183,000 |
| Interest expense | 62,000 | 127,000 | 195,000 | 264,000 |
| Net interest income | 462,000 | 929,000 | 1,420,000 | 1,919,000 |
| Noninterest income | 22,000 | 47,000 | 80,000 | 115,000 |
| Noninterest expense | 296,000 | 598,000 | 904,000 | 1,232,000 |
| Provision for loan losses | 0 | 11,000 | 21,000 | 46,000 |
| Pretax income | 188,000 | 375,000 | 586,000 | 767,000 |
| Income tax | 9,000 | 18,000 | 28,000 | 37,000 |
| Net income | 179,000 | 357,000 | 558,000 | 730,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,118,000 | 6,167,000 | 6,233,000 | 6,255,000 |
| Total capital | 6,539,000 | 6,599,000 | 6,674,000 | 6,680,000 |
| Risk-weighted assets | 40,564,000 | 42,047,000 | 45,187,000 | 48,420,000 |