Call reports 2015
BELL BANK — 2015
What BELL 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 | 3,485,239,000 | 3,440,352,000 | 3,514,669,000 | 3,656,580,000 |
| Total loans | 3,018,211,000 | 3,189,447,000 | 3,239,180,000 | 3,329,192,000 |
| Allowance for loan losses | 25,216,000 | 26,520,000 | 28,304,000 | 29,347,000 |
| Securities available for sale | 61,775,000 | 81,483,000 | 71,845,000 | 85,286,000 |
| Securities held to maturity | 8,011,000 | 7,814,000 | 7,800,000 | 7,675,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,088,077,000 | 3,040,923,000 | 3,112,895,000 | 3,258,947,000 |
| Interest-bearing deposits | 2,418,705,000 | 2,392,969,000 | 2,428,533,000 | 2,515,660,000 |
| Noninterest-bearing deposits | 669,372,000 | 647,954,000 | 684,362,000 | 743,287,000 |
| Equity capital | 317,259,000 | 327,286,000 | 337,458,000 | 345,361,000 |
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 | 32,371,000 | 66,809,000 | 102,448,000 | 138,711,000 |
| Interest expense | 2,665,000 | 5,294,000 | 7,687,000 | 10,100,000 |
| Net interest income | 29,706,000 | 61,515,000 | 94,761,000 | 128,611,000 |
| Noninterest income | 20,647,000 | 48,602,000 | 75,874,000 | 99,151,000 |
| Noninterest expense | 36,706,000 | 79,136,000 | 121,896,000 | 164,570,000 |
| Provision for loan losses | 300,000 | 1,500,000 | 3,300,000 | 4,800,000 |
| Pretax income | 13,347,000 | 29,483,000 | 45,441,000 | 58,382,000 |
| Income tax | 4,836,000 | 10,789,000 | 16,829,000 | 21,577,000 |
| Net income | 8,511,000 | 18,694,000 | 28,612,000 | 36,805,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 305,167,000 | 315,350,000 | 325,268,000 | 333,460,000 |
| Total capital | 330,383,000 | 341,870,000 | 353,572,000 | 362,807,000 |
| Risk-weighted assets | 3,012,204,000 | 3,157,252,000 | 3,195,406,000 | 3,272,835,000 |