Call reports 2015
SAVINGS BANK, THE — 2015
What SAVINGS BANK, THE 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 | 506,463,000 | 515,492,000 | 521,819,000 | 526,743,000 |
| Total loans | 387,269,000 | 399,673,000 | 404,871,000 | 414,486,000 |
| Allowance for loan losses | 3,090,000 | 3,142,000 | 3,064,000 | 3,151,000 |
| Securities available for sale | 72,821,000 | 71,326,000 | 71,008,000 | 70,159,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 417,871,000 | 420,459,000 | 427,700,000 | 431,078,000 |
| Interest-bearing deposits | 347,485,000 | 346,022,000 | 348,445,000 | 346,839,000 |
| Noninterest-bearing deposits | 70,386,000 | 74,437,000 | 79,255,000 | 84,239,000 |
| Equity capital | 64,973,000 | 64,843,000 | 65,433,000 | 65,712,000 |
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 | 4,141,000 | 8,266,000 | 12,583,000 | 16,955,000 |
| Interest expense | 448,000 | 921,000 | 1,409,000 | 1,899,000 |
| Net interest income | 3,693,000 | 7,345,000 | 11,174,000 | 15,056,000 |
| Noninterest income | 1,272,000 | 2,478,000 | 3,699,000 | 4,946,000 |
| Noninterest expense | 4,425,000 | 8,795,000 | 13,374,000 | 18,158,000 |
| Provision for loan losses | 60,000 | 142,000 | 65,000 | 155,000 |
| Pretax income | 770,000 | 1,414,000 | 2,243,000 | 2,808,000 |
| Income tax | 221,000 | 390,000 | 614,000 | 773,000 |
| Net income | 549,000 | 1,024,000 | 1,629,000 | 2,035,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,347,000 | 56,802,000 | 57,406,000 | 57,898,000 |
| Total capital | 62,945,000 | 63,116,000 | 63,578,000 | 64,296,000 |
| Risk-weighted assets | 342,151,000 | 351,241,000 | 333,629,000 | 325,381,000 |