Call reports 2015
SANDHILLS STATE BANK — 2015
What SANDHILLS STATE 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 | 158,670,000 | 158,406,000 | 166,238,000 | 164,572,000 |
| Total loans | 125,047,000 | 128,004,000 | 123,850,000 | 127,516,000 |
| Allowance for loan losses | 1,251,000 | 1,297,000 | 1,297,000 | 1,297,000 |
| Securities available for sale | 13,737,000 | 10,542,000 | 16,857,000 | 17,172,000 |
| Securities held to maturity | 11,778,000 | 10,532,000 | 10,505,000 | 10,435,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,275,000 | 130,164,000 | 140,109,000 | 138,211,000 |
| Interest-bearing deposits | 102,500,000 | 107,775,000 | 117,235,000 | 113,941,000 |
| Noninterest-bearing deposits | 25,775,000 | 22,389,000 | 22,874,000 | 24,270,000 |
| Equity capital | 15,590,000 | 15,540,000 | 15,875,000 | 16,036,000 |
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 | 1,489,000 | 3,107,000 | 4,738,000 | 6,382,000 |
| Interest expense | 304,000 | 617,000 | 946,000 | 1,258,000 |
| Net interest income | 1,185,000 | 2,490,000 | 3,792,000 | 5,124,000 |
| Noninterest income | 36,000 | 81,000 | 125,000 | 154,000 |
| Noninterest expense | 1,001,000 | 2,015,000 | 3,066,000 | 4,156,000 |
| Provision for loan losses | 91,000 | 264,000 | 264,000 | 264,000 |
| Pretax income | 129,000 | 307,000 | 602,000 | 873,000 |
| Income tax | 7,000 | 13,000 | 24,000 | -69,000 |
| Net income | 122,000 | 294,000 | 578,000 | 942,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,155,000 | 14,245,000 | 14,448,000 | 14,730,000 |
| Total capital | 15,406,000 | 15,542,000 | 15,745,000 | 16,027,000 |
| Risk-weighted assets | 135,231,000 | 138,058,000 | 134,160,000 | 136,178,000 |