Call reports 2015
PAPER CITY SAVINGS BANK, S.A. — 2015
What PAPER CITY SAVINGS BANK, S.A. 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 | 161,833,000 | 160,968,000 | 160,165,000 | 159,174,000 |
| Total loans | 123,601,000 | 123,644,000 | 124,524,000 | 126,138,000 |
| Allowance for loan losses | 553,000 | 562,000 | 543,000 | 563,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,354,000 | 4,239,000 | 3,154,000 | 2,379,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,286,000 | 142,245,000 | 141,245,000 | 139,908,000 |
| Interest-bearing deposits | 137,793,000 | 135,960,000 | 134,487,000 | 133,712,000 |
| Noninterest-bearing deposits | 5,493,000 | 6,285,000 | 6,758,000 | 6,196,000 |
| Equity capital | 18,051,000 | 18,267,000 | 18,454,000 | 18,668,000 |
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 | 1,294,000 | 2,575,000 | 3,846,000 | 5,131,000 |
| Interest expense | 210,000 | 415,000 | 620,000 | 820,000 |
| Net interest income | 1,084,000 | 2,160,000 | 3,226,000 | 4,311,000 |
| Noninterest income | 243,000 | 486,000 | 766,000 | 1,036,000 |
| Noninterest expense | 973,000 | 1,910,000 | 2,904,000 | 3,877,000 |
| Provision for loan losses | 15,000 | 35,000 | 75,000 | 100,000 |
| Pretax income | 339,000 | 701,000 | 1,013,000 | 1,370,000 |
| Income tax | 134,000 | 280,000 | 405,000 | 548,000 |
| Net income | 205,000 | 421,000 | 608,000 | 822,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,051,000 | 18,267,000 | 18,448,000 | 18,668,000 |
| Total capital | 18,604,000 | 18,829,000 | 18,991,000 | 19,231,000 |
| Risk-weighted assets | 87,241,000 | 87,271,000 | 88,539,000 | 89,014,000 |