Call reports 2015
NECEDAH BANK, THE — 2015
What NECEDAH BANK, 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 | 33,319,000 | 32,827,000 | 33,847,000 | 32,928,000 |
| Total loans | 23,712,000 | 23,438,000 | 23,567,000 | 23,786,000 |
| Allowance for loan losses | 308,000 | 309,000 | 271,000 | 241,000 |
| Securities available for sale | 4,064,000 | 4,511,000 | 4,534,000 | 4,239,000 |
| Securities held to maturity | 775,000 | 773,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,973,000 | 26,459,000 | 27,401,000 | 26,479,000 |
| Interest-bearing deposits | 20,099,000 | 19,277,000 | 20,383,000 | 19,275,000 |
| Noninterest-bearing deposits | 6,874,000 | 7,182,000 | 7,018,000 | 7,204,000 |
| Equity capital | 4,106,000 | 4,124,000 | 4,200,000 | 4,226,000 |
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 | 294,000 | 586,000 | 876,000 | 1,168,000 |
| Interest expense | 39,000 | 80,000 | 117,000 | 156,000 |
| Net interest income | 255,000 | 506,000 | 759,000 | 1,012,000 |
| Noninterest income | 15,000 | 43,000 | 75,000 | 18,000 |
| Noninterest expense | 253,000 | 472,000 | 714,000 | 945,000 |
| Provision for loan losses | 1,000 | 2,000 | 2,000 | -26,000 |
| Pretax income | 80,000 | 139,000 | 218,000 | 211,000 |
| Income tax | 19,000 | 32,000 | 53,000 | 25,000 |
| Net income | 61,000 | 107,000 | 165,000 | 186,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,065,000 | 4,112,000 | 4,169,000 | 4,190,000 |
| Total capital | 4,373,000 | 4,414,000 | 4,440,000 | 4,431,000 |
| Risk-weighted assets | 25,185,000 | 24,172,000 | 25,175,000 | 23,184,000 |