Call reports 2015
SAWYER SAVINGS BANK — 2015
What SAWYER 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 | 204,513,000 | 212,555,000 | 219,417,000 | 220,516,000 |
| Total loans | 118,704,000 | 121,031,000 | 123,452,000 | 126,184,000 |
| Allowance for loan losses | 1,397,000 | 1,366,000 | 1,362,000 | 1,322,000 |
| Securities available for sale | 72,422,000 | 78,638,000 | 80,619,000 | 78,977,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 2,133,000 | 2,146,000 | 2,164,000 | 2,111,000 |
| Total deposits | 153,474,000 | 160,390,000 | 161,336,000 | 166,447,000 |
| Interest-bearing deposits | 142,878,000 | 149,563,000 | 148,618,000 | 152,944,000 |
| Noninterest-bearing deposits | 10,596,000 | 10,827,000 | 12,718,000 | 13,503,000 |
| Equity capital | 24,170,000 | 23,713,000 | 24,254,000 | 24,388,000 |
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 | 1,914,000 | 3,846,000 | 5,812,000 | 7,855,000 |
| Interest expense | 348,000 | 719,000 | 1,101,000 | 1,492,000 |
| Net interest income | 1,566,000 | 3,127,000 | 4,711,000 | 6,363,000 |
| Noninterest income | 104,000 | 207,000 | 337,000 | 371,000 |
| Noninterest expense | 1,775,000 | 3,315,000 | 4,818,000 | 6,341,000 |
| Provision for loan losses | 0 | 0 | 0 | 120,000 |
| Pretax income | 1,489,000 | 1,652,000 | 1,825,000 | 1,821,000 |
| Income tax | 419,000 | 379,000 | 343,000 | 235,000 |
| Net income | 1,070,000 | 1,273,000 | 1,482,000 | 1,586,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,318,000 | 23,521,000 | 23,729,000 | 23,838,000 |
| Total capital | 24,542,000 | 24,765,000 | 24,954,000 | 25,136,000 |
| Risk-weighted assets | 97,960,000 | 99,371,000 | 97,901,000 | 103,822,000 |