Call reports 2015
POLONIA BANK — 2015
What POLONIA 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 | 305,331,000 | 292,129,000 | 287,375,000 | 292,071,000 |
| Total loans | 193,138,000 | 196,350,000 | 182,867,000 | 173,451,000 |
| Allowance for loan losses | 1,351,000 | 1,361,000 | 1,361,000 | 1,272,000 |
| Securities available for sale | 10,492,000 | 10,242,000 | 45,591,000 | 54,711,000 |
| Securities held to maturity | 42,797,000 | 40,865,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,169,000 | 197,211,000 | 191,287,000 | 194,364,000 |
| Interest-bearing deposits | 196,781,000 | 192,073,000 | 186,437,000 | 188,223,000 |
| Noninterest-bearing deposits | 5,388,000 | 5,138,000 | 4,850,000 | 6,141,000 |
| Equity capital | 34,523,000 | 34,415,000 | 35,253,000 | 32,621,000 |
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 | 2,680,000 | 5,289,000 | 7,840,000 | 10,212,000 |
| Interest expense | 802,000 | 1,602,000 | 2,392,000 | 3,173,000 |
| Net interest income | 1,878,000 | 3,687,000 | 5,448,000 | 7,039,000 |
| Noninterest income | 1,157,000 | 2,137,000 | 3,219,000 | 3,281,000 |
| Noninterest expense | 2,721,000 | 5,623,000 | 8,472,000 | 10,721,000 |
| Provision for loan losses | 63,000 | 73,000 | 73,000 | 73,000 |
| Pretax income | 251,000 | 128,000 | 682,000 | 86,000 |
| Income tax | 86,000 | 45,000 | 261,000 | 104,000 |
| Net income | 165,000 | 83,000 | 421,000 | -18,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,307,000 | 34,225,000 | 34,563,000 | 32,241,000 |
| Total capital | 35,658,000 | 35,586,000 | 35,924,000 | 33,513,000 |
| Risk-weighted assets | 141,160,000 | 135,471,000 | 132,872,000 | 134,478,000 |