Call reports 2015
FIRST STATE BANK OF NEWCASTLE — 2015
What FIRST STATE BANK OF NEWCASTLE 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 | 154,705,000 | 149,184,000 | 153,206,000 | 154,845,000 |
| Total loans | 34,753,000 | 34,982,000 | 35,540,000 | 37,271,000 |
| Allowance for loan losses | 779,000 | 781,000 | 769,000 | 781,000 |
| Securities available for sale | 90,722,000 | 85,382,000 | 81,320,000 | 87,557,000 |
| Securities held to maturity | 4,034,000 | 4,030,000 | 4,025,000 | 5,828,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,517,000 | 129,222,000 | 132,421,000 | 134,310,000 |
| Interest-bearing deposits | 106,441,000 | 102,496,000 | 103,464,000 | 106,741,000 |
| Noninterest-bearing deposits | 28,076,000 | 26,726,000 | 28,957,000 | 27,569,000 |
| Equity capital | 20,031,000 | 19,819,000 | 20,639,000 | 20,328,000 |
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 | 1,000,000 | 1,990,000 | 2,977,000 | 4,003,000 |
| Interest expense | 88,000 | 176,000 | 259,000 | 341,000 |
| Net interest income | 912,000 | 1,814,000 | 2,718,000 | 3,662,000 |
| Noninterest income | 138,000 | 268,000 | 404,000 | 539,000 |
| Noninterest expense | 685,000 | 1,414,000 | 2,158,000 | 3,028,000 |
| Provision for loan losses | 0 | 0 | 0 | 15,000 |
| Pretax income | 365,000 | 693,000 | 989,000 | 1,183,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 365,000 | 693,000 | 989,000 | 1,183,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,999,000 | 19,109,000 | 19,208,000 | 19,226,000 |
| Total capital | 19,656,000 | 19,746,000 | 19,809,000 | 19,866,000 |
| Risk-weighted assets | 52,472,000 | 50,843,000 | 47,975,000 | 51,120,000 |