Call reports 2015
APPLIED BANK — 2015
What APPLIED 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 | 206,810,000 | 193,047,000 | 200,566,000 | 193,990,000 |
| Total loans | 83,891,000 | 78,068,000 | 78,725,000 | 78,899,000 |
| Allowance for loan losses | 1,007,000 | 915,000 | 832,000 | 792,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,977,000 | 149,429,000 | 156,164,000 | 152,623,000 |
| Interest-bearing deposits | 81,918,000 | 85,802,000 | 82,587,000 | 85,251,000 |
| Noninterest-bearing deposits | 82,059,000 | 63,627,000 | 73,577,000 | 67,372,000 |
| Equity capital | 42,014,000 | 42,772,000 | 43,440,000 | 40,623,000 |
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 | 1,470,000 | 2,888,000 | 4,181,000 | 5,490,000 |
| Interest expense | 40,000 | 78,000 | 121,000 | 164,000 |
| Net interest income | 1,430,000 | 2,810,000 | 4,060,000 | 5,326,000 |
| Noninterest income | 805,000 | 1,598,000 | 2,468,000 | 3,207,000 |
| Noninterest expense | 1,430,000 | 2,896,000 | 4,396,000 | 5,727,000 |
| Provision for loan losses | -190,000 | -280,000 | -363,000 | -404,000 |
| Pretax income | 995,000 | 1,792,000 | 2,495,000 | 3,210,000 |
| Income tax | 49,000 | 87,000 | 122,000 | 154,000 |
| Net income | 946,000 | 1,705,000 | 2,373,000 | 3,056,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,409,000 | 42,592,000 | 43,202,000 | 40,105,000 |
| Total capital | 42,553,000 | 43,631,000 | 44,177,000 | 41,016,000 |
| Risk-weighted assets | 90,945,000 | 86,118,000 | 87,353,000 | 88,475,000 |