Call reports 2015
FREEHOLD BANK — 2015
What FREEHOLD 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 | 294,018,000 | 293,401,000 | 286,694,000 | 293,837,000 |
| Total loans | 49,359,000 | 50,128,000 | 50,356,000 | 49,849,000 |
| Allowance for loan losses | 536,000 | 508,000 | 563,000 | 583,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 217,124,000 | 222,097,000 | 215,140,000 | 221,189,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,161,000 | 154,603,000 | 151,096,000 | 152,149,000 |
| Interest-bearing deposits | 157,325,000 | 150,789,000 | 147,446,000 | 148,158,000 |
| Noninterest-bearing deposits | 2,836,000 | 3,814,000 | 3,650,000 | 3,991,000 |
| Equity capital | 35,249,000 | 35,333,000 | 35,416,000 | 35,488,000 |
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 | 1,694,000 | 3,333,000 | 4,956,000 | 6,622,000 |
| Interest expense | 740,000 | 1,474,000 | 2,201,000 | 2,955,000 |
| Net interest income | 954,000 | 1,859,000 | 2,755,000 | 3,667,000 |
| Noninterest income | 95,000 | 189,000 | 282,000 | 372,000 |
| Noninterest expense | 910,000 | 1,809,000 | 2,703,000 | 3,627,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 139,000 | 239,000 | 334,000 | 412,000 |
| Income tax | 29,000 | 45,000 | 57,000 | 63,000 |
| Net income | 110,000 | 194,000 | 277,000 | 349,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,249,000 | 35,333,000 | 35,416,000 | 35,488,000 |
| Total capital | 35,785,000 | 35,841,000 | 36,013,000 | 36,089,000 |
| Risk-weighted assets | 86,223,000 | 86,526,000 | 90,381,000 | 106,586,000 |