Call reports 2015
BRADFORD NATIONAL BANK OF GREENVILLE, THE — 2015
What BRADFORD NATIONAL BANK OF GREENVILLE, 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 | 271,669,000 | 271,250,000 | 277,641,000 | 278,746,000 |
| Total loans | 141,237,000 | 141,992,000 | 143,983,000 | 145,161,000 |
| Allowance for loan losses | 2,086,000 | 2,098,000 | 1,928,000 | 2,006,000 |
| Securities available for sale | 112,401,000 | 109,618,000 | 109,765,000 | 110,024,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,819,000 | 222,074,000 | 226,337,000 | 236,875,000 |
| Interest-bearing deposits | 181,880,000 | 178,649,000 | 184,902,000 | 188,362,000 |
| Noninterest-bearing deposits | 41,939,000 | 43,425,000 | 41,435,000 | 48,513,000 |
| Equity capital | 29,681,000 | 27,869,000 | 29,993,000 | 30,600,000 |
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 | 2,294,000 | 4,584,000 | 6,949,000 | 9,336,000 |
| Interest expense | 211,000 | 426,000 | 647,000 | 873,000 |
| Net interest income | 2,083,000 | 4,158,000 | 6,302,000 | 8,463,000 |
| Noninterest income | 301,000 | 628,000 | 923,000 | 1,200,000 |
| Noninterest expense | 1,478,000 | 3,031,000 | 4,482,000 | 6,031,000 |
| Provision for loan losses | 0 | 20,000 | 90,000 | 190,000 |
| Pretax income | 934,000 | 1,847,000 | 2,807,000 | 3,653,000 |
| Income tax | 9,000 | 19,000 | 35,000 | 46,000 |
| Net income | 925,000 | 1,828,000 | 2,772,000 | 3,607,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,449,000 | 25,859,000 | 26,486,000 | 26,861,000 |
| Total capital | 27,418,000 | 27,886,000 | 28,488,000 | 28,936,000 |
| Risk-weighted assets | 157,387,000 | 162,010,000 | 165,170,000 | 165,965,000 |