Call reports 2015
STRASBURG STATE BANK — 2015
What STRASBURG 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 | 64,170,000 | 63,719,000 | 61,240,000 | 62,812,000 |
| Total loans | 33,417,000 | 36,245,000 | 38,033,000 | 38,704,000 |
| Allowance for loan losses | 276,000 | 276,000 | 310,000 | 315,000 |
| Securities available for sale | 2,000 | 2,000 | 2,000 | 2,000 |
| Securities held to maturity | 15,852,000 | 15,338,000 | 15,711,000 | 16,102,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,376,000 | 58,024,000 | 55,279,000 | 57,121,000 |
| Interest-bearing deposits | 47,576,000 | 47,670,000 | 45,518,000 | 46,803,000 |
| Noninterest-bearing deposits | 10,800,000 | 10,354,000 | 9,761,000 | 10,318,000 |
| Equity capital | 5,405,000 | 5,264,000 | 5,431,000 | 5,335,000 |
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 | 501,000 | 1,009,000 | 1,614,000 | 2,180,000 |
| Interest expense | 37,000 | 76,000 | 114,000 | 153,000 |
| Net interest income | 464,000 | 933,000 | 1,500,000 | 2,027,000 |
| Noninterest income | 16,000 | 36,000 | 50,000 | 68,000 |
| Noninterest expense | 310,000 | 613,000 | 933,000 | 1,242,000 |
| Provision for loan losses | 0 | 0 | 34,000 | 39,000 |
| Pretax income | 170,000 | 356,000 | 583,000 | 814,000 |
| Income tax | 38,000 | 208,000 | 268,000 | 333,000 |
| Net income | 132,000 | 148,000 | 315,000 | 481,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,405,000 | 5,264,000 | 5,431,000 | 5,335,000 |
| Total capital | 5,681,000 | 5,540,000 | 5,741,000 | 5,650,000 |
| Risk-weighted assets | 46,702,000 | 44,222,000 | 41,388,000 | 42,325,000 |