Call reports 2015
EDGEWATER BANK — 2015
What EDGEWATER 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 | 123,992,000 | 133,918,000 | 131,826,000 | 135,353,000 |
| Total loans | 96,893,000 | 109,299,000 | 110,621,000 | 108,030,000 |
| Allowance for loan losses | 1,071,000 | 1,024,000 | 1,054,000 | 1,075,000 |
| Securities available for sale | 12,449,000 | 11,827,000 | 11,037,000 | 11,714,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,225,000 | 103,402,000 | 104,831,000 | 114,309,000 |
| Interest-bearing deposits | 87,315,000 | 88,152,000 | 90,641,000 | 99,394,000 |
| Noninterest-bearing deposits | 12,910,000 | 15,250,000 | 14,190,000 | 14,915,000 |
| Equity capital | 12,405,000 | 12,470,000 | 12,582,000 | 12,615,000 |
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 | 1,188,000 | 2,378,000 | 3,606,000 | 4,840,000 |
| Interest expense | 125,000 | 254,000 | 390,000 | 533,000 |
| Net interest income | 1,063,000 | 2,124,000 | 3,216,000 | 4,307,000 |
| Noninterest income | 210,000 | 430,000 | 652,000 | 892,000 |
| Noninterest expense | 1,169,000 | 2,353,000 | 3,542,000 | 4,761,000 |
| Provision for loan losses | 0 | 15,000 | 45,000 | 65,000 |
| Pretax income | 104,000 | 186,000 | 281,000 | 373,000 |
| Income tax | 0 | 0 | 0 | 8,000 |
| Net income | 104,000 | 186,000 | 281,000 | 365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,368,000 | 12,470,000 | 12,582,000 | 12,629,000 |
| Total capital | 13,364,000 | 13,494,000 | 13,636,000 | 13,704,000 |
| Risk-weighted assets | 79,602,000 | 89,141,000 | 90,802,000 | 89,163,000 |