Call reports 2015
FIFTH DISTRICT SAVINGS BANK — 2015
What FIFTH DISTRICT 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 | 385,694,000 | 385,984,000 | 390,787,000 | 393,948,000 |
| Total loans | 275,053,000 | 279,432,000 | 283,964,000 | 288,436,000 |
| Allowance for loan losses | 2,209,000 | 2,169,000 | 2,199,000 | 2,180,000 |
| Securities available for sale | 63,945,000 | 66,014,000 | 63,811,000 | 61,680,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 315,184,000 | 315,368,000 | 319,134,000 | 321,786,000 |
| Interest-bearing deposits | 310,967,000 | 310,828,000 | 313,496,000 | 316,073,000 |
| Noninterest-bearing deposits | 4,217,000 | 4,540,000 | 5,638,000 | 5,713,000 |
| Equity capital | 66,734,000 | 66,934,000 | 67,779,000 | 68,030,000 |
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 | 3,341,000 | 6,696,000 | 10,115,000 | 13,548,000 |
| Interest expense | 490,000 | 987,000 | 1,488,000 | 1,998,000 |
| Net interest income | 2,851,000 | 5,709,000 | 8,627,000 | 11,550,000 |
| Noninterest income | 93,000 | 198,000 | 301,000 | 399,000 |
| Noninterest expense | 2,069,000 | 4,259,000 | 6,430,000 | 8,620,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 30,000 |
| Pretax income | 875,000 | 1,648,000 | 2,468,000 | 3,299,000 |
| Income tax | 289,000 | 546,000 | 819,000 | 1,096,000 |
| Net income | 586,000 | 1,102,000 | 1,649,000 | 2,203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,072,000 | 66,589,000 | 67,136,000 | 67,689,000 |
| Total capital | 68,281,000 | 68,758,000 | 69,335,000 | 69,869,000 |
| Risk-weighted assets | 185,092,000 | 184,051,000 | 185,385,000 | 186,485,000 |