Call reports 2015
FIRST CAHAWBA BANK — 2015
What FIRST CAHAWBA 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 | 95,749,000 | 93,500,000 | 95,332,000 | 97,401,000 |
| Total loans | 66,199,000 | 65,048,000 | 66,850,000 | 66,135,000 |
| Allowance for loan losses | 552,000 | 552,000 | 551,000 | 548,000 |
| Securities available for sale | 12,763,000 | 12,924,000 | 13,006,000 | 12,800,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,929,000 | 77,614,000 | 76,144,000 | 78,000,000 |
| Interest-bearing deposits | 62,807,000 | 62,761,000 | 60,808,000 | 62,628,000 |
| Noninterest-bearing deposits | 17,122,000 | 14,853,000 | 15,336,000 | 15,372,000 |
| Equity capital | 12,138,000 | 12,186,000 | 12,503,000 | 12,622,000 |
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 | 938,000 | 1,875,000 | 2,817,000 | 3,773,000 |
| Interest expense | 67,000 | 131,000 | 195,000 | 260,000 |
| Net interest income | 871,000 | 1,744,000 | 2,622,000 | 3,513,000 |
| Noninterest income | 120,000 | 221,000 | 316,000 | 422,000 |
| Noninterest expense | 694,000 | 1,361,000 | 2,026,000 | 2,677,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 314,000 | 621,000 | 929,000 | 1,275,000 |
| Income tax | 94,000 | 221,000 | 327,000 | 445,000 |
| Net income | 220,000 | 400,000 | 602,000 | 830,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,177,000 | 12,357,000 | 12,559,000 | 12,673,000 |
| Total capital | 12,728,000 | 12,909,000 | 13,110,000 | 13,221,000 |
| Risk-weighted assets | 67,394,000 | 66,125,000 | 68,651,000 | 67,595,000 |