Call reports 2015
FBT BANK & MORTGAGE — 2015
What FBT BANK & MORTGAGE 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 | 136,722,000 | 136,743,000 | 146,818,000 | 149,759,000 |
| Total loans | 77,965,000 | 80,016,000 | 82,550,000 | 83,222,000 |
| Allowance for loan losses | 1,169,000 | 1,124,000 | 1,076,000 | 1,044,000 |
| Securities available for sale | 38,471,000 | 38,138,000 | 43,112,000 | 44,381,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,483,000 | 110,844,000 | 116,669,000 | 119,439,000 |
| Interest-bearing deposits | 83,067,000 | 86,038,000 | 88,331,000 | 90,049,000 |
| Noninterest-bearing deposits | 24,416,000 | 24,806,000 | 28,338,000 | 29,390,000 |
| Equity capital | 14,940,000 | 14,068,000 | 15,254,000 | 15,534,000 |
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 | 1,440,000 | 2,966,000 | 4,548,000 | 6,278,000 |
| Interest expense | 137,000 | 272,000 | 413,000 | 566,000 |
| Net interest income | 1,303,000 | 2,694,000 | 4,135,000 | 5,712,000 |
| Noninterest income | 309,000 | 675,000 | 1,007,000 | 1,349,000 |
| Noninterest expense | 1,261,000 | 2,567,000 | 3,879,000 | 5,681,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 354,000 | 806,000 | 1,267,000 | 1,387,000 |
| Income tax | 2,000 | 3,000 | 3,000 | 22,000 |
| Net income | 352,000 | 803,000 | 1,264,000 | 1,365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,212,000 | 15,663,000 | 16,124,000 | 16,225,000 |
| Total capital | 16,216,000 | 16,740,000 | 17,200,000 | 17,269,000 |
| Risk-weighted assets | 80,174,000 | 86,156,000 | 90,184,000 | 88,319,000 |