Call reports 2015
CALHOUN COUNTY BANK, INC. — 2015
What CALHOUN COUNTY BANK, INC. 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 | 131,092,000 | 127,494,000 | 134,574,000 | 133,272,000 |
| Total loans | 92,957,000 | 94,711,000 | 94,866,000 | 97,027,000 |
| Allowance for loan losses | 1,142,000 | 1,135,000 | 1,176,000 | 1,209,000 |
| Securities available for sale | 19,527,000 | 18,266,000 | 18,250,000 | 18,534,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,882,000 | 113,654,000 | 118,372,000 | 117,153,000 |
| Interest-bearing deposits | 84,261,000 | 82,726,000 | 81,883,000 | 81,167,000 |
| Noninterest-bearing deposits | 32,621,000 | 30,928,000 | 36,489,000 | 35,986,000 |
| Equity capital | 12,266,000 | 12,173,000 | 12,514,000 | 12,496,000 |
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 | 1,440,000 | 2,898,000 | 4,383,000 | 5,885,000 |
| Interest expense | 161,000 | 307,000 | 450,000 | 589,000 |
| Net interest income | 1,279,000 | 2,591,000 | 3,933,000 | 5,296,000 |
| Noninterest income | 202,000 | 345,000 | 623,000 | 875,000 |
| Noninterest expense | 1,119,000 | 2,303,000 | 3,491,000 | 4,758,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 323,000 | 534,000 | 919,000 | 1,207,000 |
| Income tax | 108,000 | 178,000 | 306,000 | 347,000 |
| Net income | 215,000 | 356,000 | 613,000 | 860,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,848,000 | 12,825,000 | 13,081,000 | 13,166,000 |
| Total capital | 13,769,000 | 13,757,000 | 14,047,000 | 14,141,000 |
| Risk-weighted assets | 73,496,000 | 74,325,000 | 77,091,000 | 77,727,000 |