Call reports 2015
BANK OF ELK RIVER, THE — 2015
What BANK OF ELK RIVER, 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 | 356,334,000 | 354,012,000 | 362,898,000 | 372,081,000 |
| Total loans | 231,634,000 | 233,426,000 | 233,043,000 | 237,271,000 |
| Allowance for loan losses | 4,585,000 | 3,974,000 | 3,813,000 | 3,930,000 |
| Securities available for sale | 83,785,000 | 84,665,000 | 81,942,000 | 90,557,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 321,757,000 | 318,816,000 | 326,458,000 | 336,094,000 |
| Interest-bearing deposits | 257,623,000 | 253,396,000 | 255,472,000 | 262,639,000 |
| Noninterest-bearing deposits | 64,134,000 | 65,420,000 | 70,986,000 | 73,455,000 |
| Equity capital | 33,768,000 | 34,480,000 | 35,578,000 | 35,511,000 |
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 | 3,406,000 | 6,862,000 | 10,357,000 | 13,900,000 |
| Interest expense | 284,000 | 539,000 | 784,000 | 1,019,000 |
| Net interest income | 3,122,000 | 6,323,000 | 9,573,000 | 12,881,000 |
| Noninterest income | 695,000 | 1,541,000 | 2,356,000 | 3,268,000 |
| Noninterest expense | 2,750,000 | 5,509,000 | 8,157,000 | 11,103,000 |
| Provision for loan losses | -250,000 | -700,000 | -1,000,000 | -1,000,000 |
| Pretax income | 1,317,000 | 3,057,000 | 4,895,000 | 6,169,000 |
| Income tax | 513,000 | 1,196,000 | 1,919,000 | 2,415,000 |
| Net income | 804,000 | 1,861,000 | 2,976,000 | 3,754,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,048,000 | 30,526,000 | 31,668,000 | 32,513,000 |
| Total capital | 32,190,000 | 33,727,000 | 34,818,000 | 35,742,000 |
| Risk-weighted assets | 247,476,000 | 253,106,000 | 249,421,000 | 256,016,000 |