Call reports 2015
DEFIANCE STATE BANK — 2015
What DEFIANCE STATE 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 | 31,257,000 | 32,097,000 | 32,298,000 | 35,984,000 |
| Total loans | 17,270,000 | 17,334,000 | 17,721,000 | 18,769,000 |
| Allowance for loan losses | 162,000 | 167,000 | 167,000 | 167,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 205,000 | 205,000 | 205,000 | 205,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,802,000 | 25,420,000 | 27,630,000 | 27,191,000 |
| Interest-bearing deposits | 22,775,000 | 21,943,000 | 20,749,000 | 23,205,000 |
| Noninterest-bearing deposits | 3,027,000 | 3,477,000 | 6,881,000 | 3,986,000 |
| Equity capital | 2,628,000 | 2,688,000 | 2,757,000 | 2,650,000 |
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 | 248,000 | 504,000 | 765,000 | 1,035,000 |
| Interest expense | 17,000 | 34,000 | 51,000 | 68,000 |
| Net interest income | 231,000 | 470,000 | 714,000 | 967,000 |
| Noninterest income | 15,000 | 40,000 | 54,000 | 75,000 |
| Noninterest expense | 188,000 | 387,000 | 576,000 | 955,000 |
| Provision for loan losses | 0 | 5,000 | 5,000 | 5,000 |
| Pretax income | 60,000 | 122,000 | 192,000 | 89,000 |
| Income tax | 0 | 2,000 | 4,000 | 7,000 |
| Net income | 60,000 | 120,000 | 188,000 | 82,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,628,000 | 2,688,000 | 2,757,000 | 2,650,000 |
| Total capital | 2,790,000 | 2,855,000 | 2,924,000 | 2,817,000 |
| Risk-weighted assets | 20,437,000 | 20,777,000 | 20,774,000 | 23,618,000 |