Call reports 2015
ACB BANK — 2015
What ACB 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 | 97,905,000 | 100,913,000 | 109,301,000 | 110,585,000 |
| Total loans | 73,363,000 | 77,643,000 | 85,912,000 | 88,578,000 |
| Allowance for loan losses | 1,105,000 | 1,133,000 | 1,147,000 | 1,247,000 |
| Securities available for sale | 17,419,000 | 15,362,000 | 14,787,000 | 14,574,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,686,000 | 76,399,000 | 79,271,000 | 87,616,000 |
| Interest-bearing deposits | 57,641,000 | 57,268,000 | 61,248,000 | 67,838,000 |
| Noninterest-bearing deposits | 21,045,000 | 19,131,000 | 18,023,000 | 19,778,000 |
| Equity capital | 8,435,000 | 8,468,000 | 8,991,000 | 9,372,000 |
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 | 1,204,000 | 2,431,000 | 3,755,000 | 5,132,000 |
| Interest expense | 73,000 | 147,000 | 233,000 | 340,000 |
| Net interest income | 1,131,000 | 2,284,000 | 3,522,000 | 4,792,000 |
| Noninterest income | 128,000 | 287,000 | 424,000 | 550,000 |
| Noninterest expense | 573,000 | 1,190,000 | 1,799,000 | 2,622,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 320,000 |
| Pretax income | 662,000 | 1,332,000 | 2,068,000 | 2,411,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 662,000 | 1,332,000 | 2,068,000 | 2,411,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,413,000 | 8,604,000 | 9,061,000 | 9,405,000 |
| Total capital | 9,442,000 | 9,722,000 | 10,208,000 | 10,572,000 |
| Risk-weighted assets | 82,321,000 | 89,446,000 | 92,927,000 | 93,283,000 |