Call reports 2015
STATE BANK OF PEARL CITY, THE — 2015
What STATE BANK OF PEARL CITY, 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 | 49,664,000 | 48,902,000 | 49,418,000 | 50,405,000 |
| Total loans | 26,407,000 | 27,487,000 | 28,761,000 | 28,659,000 |
| Allowance for loan losses | 321,000 | 315,000 | 307,000 | 261,000 |
| Securities available for sale | 15,841,000 | 15,681,000 | 14,703,000 | 14,278,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,088,000 | 42,904,000 | 43,691,000 | 44,773,000 |
| Interest-bearing deposits | 37,670,000 | 36,944,000 | 37,665,000 | 37,931,000 |
| Noninterest-bearing deposits | 6,418,000 | 5,960,000 | 6,026,000 | 6,842,000 |
| Equity capital | 5,444,000 | 5,269,000 | 5,568,000 | 5,485,000 |
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 | 553,000 | 1,123,000 | 1,727,000 | 2,314,000 |
| Interest expense | 56,000 | 113,000 | 172,000 | 230,000 |
| Net interest income | 497,000 | 1,010,000 | 1,555,000 | 2,084,000 |
| Noninterest income | 8,000 | 20,000 | 27,000 | 34,000 |
| Noninterest expense | 381,000 | 740,000 | 1,127,000 | 1,510,000 |
| Provision for loan losses | 15,000 | 20,000 | 20,000 | 47,000 |
| Pretax income | 110,000 | 271,000 | 436,000 | 562,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 110,000 | 271,000 | 436,000 | 562,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,177,000 | 5,232,000 | 5,434,000 | 5,440,000 |
| Total capital | 5,498,000 | 5,547,000 | 5,741,000 | 5,701,000 |
| Risk-weighted assets | 36,140,000 | 35,997,000 | 37,217,000 | 40,949,000 |