Call reports 2015
NEW ALBIN SAVINGS BANK — 2015
What NEW ALBIN SAVINGS 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 | 213,054,000 | 211,487,000 | 213,280,000 | 216,554,000 |
| Total loans | 63,616,000 | 64,768,000 | 62,838,000 | 63,115,000 |
| Allowance for loan losses | 813,000 | 838,000 | 850,000 | 830,000 |
| Securities available for sale | 142,993,000 | 141,737,000 | 142,371,000 | 150,654,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,853,000 | 165,797,000 | 166,121,000 | 168,885,000 |
| Interest-bearing deposits | 156,443,000 | 156,486,000 | 156,989,000 | 158,657,000 |
| Noninterest-bearing deposits | 10,410,000 | 9,311,000 | 9,132,000 | 10,228,000 |
| Equity capital | 37,222,000 | 37,252,000 | 38,468,000 | 38,608,000 |
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 | 1,613,000 | 3,250,000 | 4,922,000 | 6,547,000 |
| Interest expense | 350,000 | 706,000 | 1,066,000 | 1,429,000 |
| Net interest income | 1,263,000 | 2,544,000 | 3,856,000 | 5,118,000 |
| Noninterest income | 16,000 | 47,000 | 76,000 | 96,000 |
| Noninterest expense | 372,000 | 723,000 | 1,079,000 | 1,596,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 907,000 | 1,912,000 | 2,897,000 | 3,662,000 |
| Income tax | 113,000 | 264,000 | 402,000 | 444,000 |
| Net income | 794,000 | 1,648,000 | 2,495,000 | 3,218,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,976,000 | 34,830,000 | 35,677,000 | 35,650,000 |
| Total capital | 34,789,000 | 35,668,000 | 36,527,000 | 36,480,000 |
| Risk-weighted assets | 71,923,000 | 72,982,000 | 71,763,000 | 69,855,000 |