Call reports 2015
FOUNDATIONS BANK — 2015
What FOUNDATIONS 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 | 128,241,000 | 122,812,000 | 124,901,000 | 125,733,000 |
| Total loans | 79,451,000 | 77,672,000 | 73,642,000 | 74,990,000 |
| Allowance for loan losses | 2,571,000 | 2,436,000 | 2,436,000 | 2,275,000 |
| Securities available for sale | 27,273,000 | 26,537,000 | 26,973,000 | 29,857,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,147,000 | 95,645,000 | 97,488,000 | 98,379,000 |
| Interest-bearing deposits | 81,784,000 | 74,357,000 | 77,175,000 | 81,507,000 |
| Noninterest-bearing deposits | 19,363,000 | 21,287,000 | 20,314,000 | 16,872,000 |
| Equity capital | 22,572,000 | 22,607,000 | 22,861,000 | 22,793,000 |
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 | 1,010,000 | 2,053,000 | 3,026,000 | 3,932,000 |
| Interest expense | 126,000 | 247,000 | 370,000 | 492,000 |
| Net interest income | 884,000 | 1,806,000 | 2,656,000 | 3,440,000 |
| Noninterest income | 68,000 | 108,000 | 188,000 | 266,000 |
| Noninterest expense | 627,000 | 1,334,000 | 2,039,000 | 2,817,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 325,000 | 580,000 | 816,000 | 900,000 |
| Income tax | 119,000 | 214,000 | 300,000 | 310,000 |
| Net income | 206,000 | 366,000 | 516,000 | 590,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,556,000 | 17,731,000 | 18,034,000 | 18,044,000 |
| Total capital | 18,645,000 | 18,806,000 | 19,061,000 | 19,124,000 |
| Risk-weighted assets | 82,749,000 | 81,743,000 | 77,939,000 | 82,342,000 |