Call reports 2015
BANK OF ST. FRANCISVILLE — 2015
What BANK OF ST. FRANCISVILLE 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 | 112,624,000 | 109,425,000 | 109,703,000 | 116,402,000 |
| Total loans | 75,116,000 | 76,211,000 | 74,977,000 | 78,154,000 |
| Allowance for loan losses | 1,099,000 | 1,172,000 | 1,245,000 | 1,238,000 |
| Securities available for sale | 21,196,000 | 19,343,000 | 18,898,000 | 18,457,000 |
| Securities held to maturity | 249,000 | 249,000 | 249,000 | 249,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,004,000 | 96,883,000 | 96,726,000 | 103,496,000 |
| Interest-bearing deposits | 66,631,000 | 65,496,000 | 65,317,000 | 71,540,000 |
| Noninterest-bearing deposits | 33,373,000 | 31,387,000 | 31,409,000 | 31,956,000 |
| Equity capital | 11,444,000 | 11,187,000 | 11,471,000 | 11,710,000 |
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 | 1,292,000 | 2,695,000 | 4,027,000 | 5,372,000 |
| Interest expense | 51,000 | 102,000 | 150,000 | 200,000 |
| Net interest income | 1,241,000 | 2,593,000 | 3,877,000 | 5,172,000 |
| Noninterest income | 224,000 | 472,000 | 733,000 | 973,000 |
| Noninterest expense | 1,160,000 | 2,381,000 | 3,544,000 | 4,719,000 |
| Provision for loan losses | 78,000 | 156,000 | 225,000 | 300,000 |
| Pretax income | 227,000 | 528,000 | 841,000 | 1,140,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 227,000 | 528,000 | 841,000 | 1,140,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,334,000 | 11,274,000 | 11,409,000 | 11,708,000 |
| Total capital | 12,230,000 | 12,226,000 | 12,365,000 | 12,717,000 |
| Risk-weighted assets | 71,489,000 | 75,970,000 | 76,200,000 | 80,505,000 |