Call reports 2015
OLD FORT BANKING COMPANY, THE — 2015
What OLD FORT BANKING COMPANY, THE 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 | 471,281,000 | 470,697,000 | 471,257,000 | 475,396,000 |
| Total loans | 272,291,000 | 275,336,000 | 269,031,000 | 278,361,000 |
| Allowance for loan losses | 4,158,000 | 3,827,000 | 3,823,000 | 3,836,000 |
| Securities available for sale | 157,793,000 | 156,438,000 | 157,502,000 | 162,721,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 410,069,000 | 411,974,000 | 412,074,000 | 402,348,000 |
| Interest-bearing deposits | 344,423,000 | 340,706,000 | 342,945,000 | 323,683,000 |
| Noninterest-bearing deposits | 65,646,000 | 71,268,000 | 69,129,000 | 78,665,000 |
| Equity capital | 41,978,000 | 41,527,000 | 42,368,000 | 38,278,000 |
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 | 3,787,000 | 7,565,000 | 11,386,000 | 15,211,000 |
| Interest expense | 376,000 | 760,000 | 1,140,000 | 1,516,000 |
| Net interest income | 3,411,000 | 6,805,000 | 10,246,000 | 13,695,000 |
| Noninterest income | 717,000 | 1,548,000 | 2,300,000 | 2,994,000 |
| Noninterest expense | 2,855,000 | 5,668,000 | 8,471,000 | 11,741,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,079,000 | 3,561,000 | 4,951,000 | 6,175,000 |
| Income tax | 530,000 | 950,000 | 1,339,000 | 1,675,000 |
| Net income | 1,549,000 | 2,611,000 | 3,612,000 | 4,500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,417,000 | 41,478,000 | 41,479,000 | 38,618,000 |
| Total capital | 44,338,000 | 45,357,000 | 45,341,000 | 42,510,000 |
| Risk-weighted assets | 308,720,000 | 311,696,000 | 304,827,000 | 317,626,000 |