Call reports 2015
FIRST STATE BANK OF ODEM — 2015
What FIRST STATE BANK OF ODEM 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 | 137,210,000 | 134,053,000 | 137,552,000 | 138,190,000 |
| Total loans | 62,107,000 | 64,548,000 | 64,015,000 | 66,126,000 |
| Allowance for loan losses | 909,000 | 959,000 | 992,000 | 1,034,000 |
| Securities available for sale | 50,635,000 | 50,623,000 | 44,608,000 | 43,357,000 |
| Securities held to maturity | 7,941,000 | 7,931,000 | 7,902,000 | 7,893,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,601,000 | 121,114,000 | 124,192,000 | 124,938,000 |
| Interest-bearing deposits | 71,063,000 | 70,559,000 | 70,248,000 | 72,798,000 |
| Noninterest-bearing deposits | 53,538,000 | 50,555,000 | 53,945,000 | 52,139,000 |
| Equity capital | 12,355,000 | 12,661,000 | 12,941,000 | 13,053,000 |
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 | 1,208,000 | 2,481,000 | 3,747,000 | 5,016,000 |
| Interest expense | 40,000 | 78,000 | 116,000 | 155,000 |
| Net interest income | 1,168,000 | 2,403,000 | 3,631,000 | 4,861,000 |
| Noninterest income | 185,000 | 367,000 | 558,000 | 790,000 |
| Noninterest expense | 962,000 | 1,954,000 | 2,980,000 | 4,053,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 331,000 | 696,000 | 1,029,000 | 1,357,000 |
| Income tax | 111,000 | 195,000 | 268,000 | 348,000 |
| Net income | 220,000 | 501,000 | 761,000 | 1,009,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,322,000 | 12,574,000 | 12,941,000 | 13,141,000 |
| Total capital | 13,231,000 | 13,506,000 | 13,858,000 | 14,080,000 |
| Risk-weighted assets | 74,356,000 | 74,533,000 | 73,264,000 | 75,013,000 |