Call reports 2015
COLCHESTER STATE BANK — 2015
What COLCHESTER 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 | 62,251,000 | 59,895,000 | 60,494,000 | 59,673,000 |
| Total loans | 26,764,000 | 25,115,000 | 25,983,000 | 25,217,000 |
| Allowance for loan losses | 687,000 | 576,000 | 655,000 | 520,000 |
| Securities available for sale | 27,886,000 | 28,735,000 | 30,138,000 | 28,763,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,578,000 | 51,500,000 | 51,902,000 | 50,868,000 |
| Interest-bearing deposits | 42,261,000 | 40,500,000 | 42,753,000 | 42,407,000 |
| Noninterest-bearing deposits | 11,317,000 | 11,000,000 | 9,149,000 | 8,461,000 |
| Equity capital | 8,286,000 | 8,158,000 | 8,340,000 | 8,524,000 |
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 | 507,000 | 997,000 | 1,494,000 | 1,993,000 |
| Interest expense | 67,000 | 134,000 | 201,000 | 268,000 |
| Net interest income | 440,000 | 863,000 | 1,293,000 | 1,725,000 |
| Noninterest income | 41,000 | 93,000 | 163,000 | 248,000 |
| Noninterest expense | 219,000 | 460,000 | 654,000 | 966,000 |
| Provision for loan losses | 35,000 | 170,000 | 500,000 | 560,000 |
| Pretax income | 247,000 | 347,000 | 323,000 | 468,000 |
| Income tax | 83,000 | 167,000 | 0 | 0 |
| Net income | 164,000 | 180,000 | 323,000 | 468,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,867,000 | 7,883,000 | 8,027,000 | 8,171,000 |
| Total capital | 8,253,000 | 8,254,000 | 8,400,000 | 8,536,000 |
| Risk-weighted assets | 30,623,000 | 29,478,000 | 29,627,000 | 29,057,000 |