Call reports 2015
BANK OF CASHTON — 2015
What BANK OF CASHTON 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 | 78,536,000 | 78,060,000 | 77,241,000 | 77,985,000 |
| Total loans | 44,333,000 | 45,237,000 | 46,728,000 | 45,982,000 |
| Allowance for loan losses | 638,000 | 653,000 | 669,000 | 673,000 |
| Securities available for sale | 21,589,000 | 19,257,000 | 18,460,000 | 18,636,000 |
| Securities held to maturity | 1,140,000 | 1,140,000 | 1,140,000 | 1,140,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,484,000 | 67,885,000 | 66,993,000 | 68,843,000 |
| Interest-bearing deposits | 58,192,000 | 57,230,000 | 56,843,000 | 57,590,000 |
| Noninterest-bearing deposits | 10,292,000 | 10,655,000 | 10,150,000 | 11,254,000 |
| Equity capital | 8,166,000 | 8,001,000 | 8,287,000 | 8,322,000 |
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 | 753,000 | 1,498,000 | 2,326,000 | 3,100,000 |
| Interest expense | 115,000 | 230,000 | 342,000 | 449,000 |
| Net interest income | 638,000 | 1,268,000 | 1,984,000 | 2,651,000 |
| Noninterest income | 92,000 | 182,000 | 302,000 | 349,000 |
| Noninterest expense | 444,000 | 872,000 | 1,325,000 | 1,796,000 |
| Provision for loan losses | 15,000 | 30,000 | 46,000 | 60,000 |
| Pretax income | 262,000 | 567,000 | 934,000 | 1,163,000 |
| Income tax | 0 | 0 | 1,000 | 2,000 |
| Net income | 262,000 | 567,000 | 933,000 | 1,161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,607,000 | 7,763,000 | 7,865,000 | 7,990,000 |
| Total capital | 8,245,000 | 8,416,000 | 8,534,000 | 8,663,000 |
| Risk-weighted assets | 52,955,000 | 56,866,000 | 55,180,000 | 55,626,000 |