Call reports 2015
TRUPOINT BANK — 2015
What TRUPOINT 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 | 449,473,000 | 441,828,000 | 429,337,000 | 439,038,000 |
| Total loans | 214,254,000 | 213,608,000 | 208,637,000 | 214,592,000 |
| Allowance for loan losses | 3,007,000 | 2,958,000 | 2,879,000 | 2,227,000 |
| Securities available for sale | 174,923,000 | 168,031,000 | 162,123,000 | 159,210,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 391,960,000 | 384,647,000 | 372,300,000 | 383,279,000 |
| Interest-bearing deposits | 315,125,000 | 308,271,000 | 295,425,000 | 305,068,000 |
| Noninterest-bearing deposits | 76,835,000 | 76,376,000 | 76,875,000 | 78,211,000 |
| Equity capital | 40,678,000 | 40,304,000 | 40,608,000 | 39,867,000 |
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 | 3,715,000 | 7,199,000 | 10,780,000 | 14,310,000 |
| Interest expense | 309,000 | 606,000 | 890,000 | 1,163,000 |
| Net interest income | 3,406,000 | 6,593,000 | 9,890,000 | 13,147,000 |
| Noninterest income | 1,359,000 | 2,313,000 | 2,731,000 | 3,013,000 |
| Noninterest expense | 4,030,000 | 7,897,000 | 11,515,000 | 15,457,000 |
| Provision for loan losses | 50,000 | 679,000 | 650,000 | 873,000 |
| Pretax income | 695,000 | 340,000 | 466,000 | -160,000 |
| Income tax | 179,000 | -291,000 | -296,000 | -547,000 |
| Net income | 516,000 | 631,000 | 762,000 | 387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,734,000 | 35,941,000 | 36,286,000 | 35,004,000 |
| Total capital | 38,426,000 | 38,663,000 | 38,920,000 | 37,256,000 |
| Risk-weighted assets | 213,791,000 | 215,066,000 | 207,848,000 | 212,828,000 |