Call reports 2015
COMMUNITY NEIGHBOR BANK — 2015
What COMMUNITY NEIGHBOR 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 | 109,078,000 | 106,828,000 | 105,985,000 | 107,426,000 |
| Total loans | 59,271,000 | 62,470,000 | 62,732,000 | 63,576,000 |
| Allowance for loan losses | 1,218,000 | 1,247,000 | 1,240,000 | 1,207,000 |
| Securities available for sale | 11,246,000 | 11,523,000 | 11,636,000 | 11,055,000 |
| Securities held to maturity | 4,960,000 | 4,962,000 | 4,964,000 | 4,966,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,336,000 | 88,791,000 | 90,166,000 | 92,361,000 |
| Interest-bearing deposits | 67,952,000 | 65,896,000 | 65,472,000 | 65,226,000 |
| Noninterest-bearing deposits | 23,384,000 | 22,895,000 | 24,694,000 | 27,135,000 |
| Equity capital | 15,077,000 | 15,370,000 | 15,606,000 | 14,924,000 |
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 | 1,072,000 | 2,195,000 | 3,328,000 | 4,442,000 |
| Interest expense | 92,000 | 181,000 | 249,000 | 308,000 |
| Net interest income | 980,000 | 2,014,000 | 3,079,000 | 4,134,000 |
| Noninterest income | 162,000 | 398,000 | 628,000 | 876,000 |
| Noninterest expense | 920,000 | 1,762,000 | 2,685,000 | 3,530,000 |
| Provision for loan losses | 0 | 5,000 | 5,000 | 5,000 |
| Pretax income | 222,000 | 645,000 | 1,017,000 | 1,475,000 |
| Income tax | 56,000 | 164,000 | 316,000 | 429,000 |
| Net income | 166,000 | 481,000 | 701,000 | 1,046,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,044,000 | 15,358,000 | 15,579,000 | 14,924,000 |
| Total capital | 15,826,000 | 16,160,000 | 16,395,000 | 15,789,000 |
| Risk-weighted assets | 62,133,000 | 63,734,000 | 64,901,000 | 68,879,000 |