Call reports 2015
FIRST BANK ELK RIVER — 2015
What FIRST BANK ELK RIVER 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 | 291,021,000 | 284,872,000 | 271,989,000 | 265,882,000 |
| Total loans | 124,107,000 | 127,142,000 | 127,248,000 | 124,189,000 |
| Allowance for loan losses | 2,181,000 | 2,091,000 | 2,117,000 | 2,117,000 |
| Securities available for sale | 106,773,000 | 101,697,000 | 101,011,000 | 102,277,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,731,000 | 215,104,000 | 204,719,000 | 200,096,000 |
| Interest-bearing deposits | 182,252,000 | 177,682,000 | 155,807,000 | 150,586,000 |
| Noninterest-bearing deposits | 34,479,000 | 37,422,000 | 48,912,000 | 49,510,000 |
| Equity capital | 27,952,000 | 25,790,000 | 27,369,000 | 26,693,000 |
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 | 2,226,000 | 4,383,000 | 6,599,000 | 8,846,000 |
| Interest expense | 461,000 | 896,000 | 1,293,000 | 1,667,000 |
| Net interest income | 1,765,000 | 3,487,000 | 5,306,000 | 7,179,000 |
| Noninterest income | 484,000 | 1,121,000 | 1,845,000 | 2,222,000 |
| Noninterest expense | 2,195,000 | 4,368,000 | 6,649,000 | 8,590,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 54,000 | 310,000 | 572,000 | 881,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 54,000 | 310,000 | 572,000 | 881,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,952,000 | 28,032,000 | 28,160,000 | 28,354,000 |
| Total capital | 30,069,000 | 30,123,000 | 30,277,000 | 30,471,000 |
| Risk-weighted assets | 169,394,000 | 174,080,000 | 174,361,000 | 169,819,000 |