Call reports 2015
BANK OF CHARLOTTE COUNTY, THE — 2015
What BANK OF CHARLOTTE COUNTY, THE 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 | 130,798,000 | 132,914,000 | 130,564,000 | 131,782,000 |
| Total loans | 92,134,000 | 93,888,000 | 93,898,000 | 96,156,000 |
| Allowance for loan losses | 1,277,000 | 1,305,000 | 1,229,000 | 1,204,000 |
| Securities available for sale | 20,050,000 | 19,262,000 | 20,971,000 | 20,213,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,383,000 | 109,739,000 | 106,728,000 | 108,346,000 |
| Interest-bearing deposits | 81,911,000 | 83,347,000 | 80,549,000 | 81,500,000 |
| Noninterest-bearing deposits | 25,472,000 | 26,392,000 | 26,179,000 | 26,846,000 |
| Equity capital | 18,052,000 | 18,036,000 | 18,524,000 | 18,269,000 |
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 | 1,507,000 | 3,035,000 | 4,577,000 | 6,140,000 |
| Interest expense | 272,000 | 540,000 | 754,000 | 967,000 |
| Net interest income | 1,235,000 | 2,495,000 | 3,823,000 | 5,173,000 |
| Noninterest income | 98,000 | 118,000 | 306,000 | 466,000 |
| Noninterest expense | 905,000 | 1,830,000 | 2,701,000 | 3,632,000 |
| Provision for loan losses | 35,000 | 65,000 | 95,000 | 135,000 |
| Pretax income | 421,000 | 746,000 | 1,366,000 | 1,867,000 |
| Income tax | 80,000 | 215,000 | 370,000 | 534,000 |
| Net income | 341,000 | 531,000 | 996,000 | 1,333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,491,000 | 17,682,000 | 18,147,000 | 17,883,000 |
| Total capital | 18,520,000 | 18,832,000 | 19,301,000 | 19,062,000 |
| Risk-weighted assets | 82,094,000 | 91,909,000 | 92,251,000 | 94,319,000 |