Call reports 2015
CARSON BANK — 2015
What CARSON 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 | 107,603,000 | 109,928,000 | 105,939,000 | 101,505,000 |
| Total loans | 56,883,000 | 58,948,000 | 60,738,000 | 60,033,000 |
| Allowance for loan losses | 620,000 | 620,000 | 620,000 | 604,000 |
| Securities available for sale | 30,974,000 | 29,597,000 | 28,542,000 | 26,174,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,866,000 | 101,097,000 | 96,824,000 | 92,675,000 |
| Interest-bearing deposits | 74,634,000 | 77,350,000 | 72,407,000 | 70,064,000 |
| Noninterest-bearing deposits | 24,232,000 | 23,747,000 | 24,417,000 | 22,611,000 |
| Equity capital | 8,614,000 | 8,647,000 | 8,930,000 | 8,743,000 |
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 | 805,000 | 1,635,000 | 2,497,000 | 3,350,000 |
| Interest expense | 35,000 | 72,000 | 112,000 | 150,000 |
| Net interest income | 770,000 | 1,563,000 | 2,385,000 | 3,200,000 |
| Noninterest income | 167,000 | 443,000 | 626,000 | 730,000 |
| Noninterest expense | 916,000 | 1,848,000 | 2,749,000 | 3,650,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 21,000 | 158,000 | 262,000 | 280,000 |
| Income tax | -6,000 | -6,000 | 9,000 | 14,000 |
| Net income | 27,000 | 164,000 | 253,000 | 266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,614,000 | 8,776,000 | 8,855,000 | 8,878,000 |
| Total capital | 9,234,000 | 9,396,000 | 9,475,000 | 9,482,000 |
| Risk-weighted assets | 60,595,000 | 60,569,000 | 59,338,000 | 58,406,000 |