Call reports 2015
TSB BANK — 2015
What TSB 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 | 126,293,000 | 120,118,000 | 119,853,000 | 120,958,000 |
| Total loans | 79,200,000 | 80,822,000 | 79,221,000 | 84,142,000 |
| Allowance for loan losses | 1,005,000 | 1,004,000 | 1,000,000 | 963,000 |
| Securities available for sale | 18,262,000 | 18,099,000 | 17,669,000 | 12,903,000 |
| Securities held to maturity | 16,776,000 | 16,332,000 | 16,339,000 | 16,344,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,361,000 | 109,002,000 | 106,369,000 | 107,200,000 |
| Interest-bearing deposits | 81,777,000 | 77,224,000 | 75,665,000 | 84,125,000 |
| Noninterest-bearing deposits | 33,584,000 | 31,778,000 | 30,704,000 | 23,075,000 |
| Equity capital | 10,677,000 | 10,810,000 | 11,201,000 | 11,510,000 |
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 | 1,150,000 | 2,318,000 | 3,468,000 | 4,635,000 |
| Interest expense | 177,000 | 347,000 | 510,000 | 659,000 |
| Net interest income | 973,000 | 1,971,000 | 2,958,000 | 3,976,000 |
| Noninterest income | 65,000 | 186,000 | 263,000 | 338,000 |
| Noninterest expense | 679,000 | 1,361,000 | 2,034,000 | 2,761,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 359,000 | 898,000 | 1,289,000 | 1,574,000 |
| Income tax | 77,000 | 201,000 | 305,000 | 370,000 |
| Net income | 282,000 | 697,000 | 984,000 | 1,204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,935,000 | 11,350,000 | 11,637,000 | 11,857,000 |
| Total capital | 11,940,000 | 12,354,000 | 12,637,000 | 12,820,000 |
| Risk-weighted assets | 84,250,000 | 84,435,000 | 83,066,000 | 88,065,000 |