Call reports 2015
FORD COUNTY STATE BANK — 2015
What FORD COUNTY 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 | 40,770,000 | 41,980,000 | 41,647,000 | 39,189,000 |
| Total loans | 22,119,000 | 23,491,000 | 25,068,000 | 25,993,000 |
| Allowance for loan losses | 375,000 | 387,000 | 407,000 | 436,000 |
| Securities available for sale | 11,170,000 | 9,876,000 | 7,517,000 | 6,032,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,388,000 | 36,533,000 | 36,085,000 | 33,600,000 |
| Interest-bearing deposits | 30,994,000 | 28,229,000 | 25,998,000 | 27,582,000 |
| Noninterest-bearing deposits | 4,394,000 | 8,304,000 | 10,087,000 | 6,018,000 |
| Equity capital | 4,961,000 | 5,025,000 | 5,114,000 | 5,146,000 |
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 | 355,000 | 775,000 | 1,165,000 | 1,537,000 |
| Interest expense | 18,000 | 35,000 | 49,000 | 64,000 |
| Net interest income | 337,000 | 740,000 | 1,116,000 | 1,473,000 |
| Noninterest income | 21,000 | 38,000 | 58,000 | 77,000 |
| Noninterest expense | 250,000 | 503,000 | 727,000 | 982,000 |
| Provision for loan losses | 2,000 | 11,000 | 30,000 | 66,000 |
| Pretax income | 106,000 | 264,000 | 417,000 | 502,000 |
| Income tax | 32,000 | 83,000 | 135,000 | 163,000 |
| Net income | 74,000 | 181,000 | 282,000 | 339,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,837,000 | 4,944,000 | 5,045,000 | 5,102,000 |
| Total capital | 4,861,000 | 5,329,000 | 5,452,000 | 5,473,000 |
| Risk-weighted assets | 1,595,000 | 30,812,000 | 33,334,000 | 29,651,000 |