Call reports 2015
STATE BANK OF FAIRMONT — 2015
What STATE BANK OF FAIRMONT 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 | 105,501,000 | 104,330,000 | 102,619,000 | 108,050,000 |
| Total loans | 75,062,000 | 75,389,000 | 74,843,000 | 74,813,000 |
| Allowance for loan losses | 1,538,000 | 1,610,000 | 1,826,000 | 1,352,000 |
| Securities available for sale | 22,800,000 | 22,593,000 | 22,320,000 | 22,993,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,289,000 | 90,682,000 | 87,917,000 | 91,600,000 |
| Interest-bearing deposits | 77,732,000 | 79,205,000 | 77,866,000 | 79,346,000 |
| Noninterest-bearing deposits | 13,557,000 | 11,477,000 | 10,051,000 | 12,254,000 |
| Equity capital | 12,110,000 | 11,553,000 | 11,755,000 | 10,904,000 |
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 | 1,090,000 | 2,177,000 | 3,261,000 | 4,338,000 |
| Interest expense | 145,000 | 290,000 | 441,000 | 587,000 |
| Net interest income | 945,000 | 1,887,000 | 2,820,000 | 3,751,000 |
| Noninterest income | 54,000 | 113,000 | 171,000 | 226,000 |
| Noninterest expense | 531,000 | 1,061,000 | 1,620,000 | 2,672,000 |
| Provision for loan losses | 60,000 | 225,000 | 420,000 | 510,000 |
| Pretax income | 408,000 | 714,000 | 951,000 | 795,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 407,000 | 713,000 | 950,000 | 794,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,035,000 | 11,726,000 | 11,715,000 | 11,091,000 |
| Total capital | 13,041,000 | 12,728,000 | 12,695,000 | 12,086,000 |
| Risk-weighted assets | 79,972,000 | 79,539,000 | 77,536,000 | 79,224,000 |