Call reports 2015
SMALL BUSINESS BANK — 2015
What SMALL BUSINESS 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 | 106,022,000 | 102,789,000 | 100,198,000 | 99,529,000 |
| Total loans | 52,418,000 | 52,632,000 | 54,200,000 | 53,587,000 |
| Allowance for loan losses | 829,000 | 905,000 | 886,000 | 895,000 |
| Securities available for sale | 35,718,000 | 36,426,000 | 34,426,000 | 35,287,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,372,000 | 86,703,000 | 85,486,000 | 84,268,000 |
| Interest-bearing deposits | 53,927,000 | 52,882,000 | 51,320,000 | 48,290,000 |
| Noninterest-bearing deposits | 32,445,000 | 33,821,000 | 34,166,000 | 35,978,000 |
| Equity capital | 9,395,000 | 8,905,000 | 9,177,000 | 8,958,000 |
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 | 872,000 | 1,722,000 | 2,575,000 | 3,426,000 |
| Interest expense | 99,000 | 186,000 | 274,000 | 359,000 |
| Net interest income | 773,000 | 1,536,000 | 2,301,000 | 3,067,000 |
| Noninterest income | 166,000 | 263,000 | 447,000 | 611,000 |
| Noninterest expense | 924,000 | 1,861,000 | 2,790,000 | 3,668,000 |
| Provision for loan losses | 196,000 | 536,000 | 555,000 | 594,000 |
| Pretax income | -148,000 | -540,000 | -525,000 | -512,000 |
| Income tax | -53,000 | -193,000 | -195,000 | -197,000 |
| Net income | -95,000 | -347,000 | -330,000 | -315,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,259,000 | 9,006,000 | 9,023,000 | 9,038,000 |
| Total capital | 10,084,000 | 9,833,000 | 9,855,000 | 9,853,000 |
| Risk-weighted assets | 66,020,000 | 66,121,000 | 66,509,000 | 65,123,000 |