Call reports 2015
STATE BANK OF DRUMMOND — 2015
What STATE BANK OF DRUMMOND 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 | 44,543,000 | 44,086,000 | 44,140,000 | 43,820,000 |
| Total loans | 19,711,000 | 19,596,000 | 19,233,000 | 19,740,000 |
| Allowance for loan losses | 515,000 | 515,000 | 380,000 | 379,000 |
| Securities available for sale | 10,681,000 | 8,820,000 | 7,710,000 | 7,216,000 |
| Securities held to maturity | 1,050,000 | 1,050,000 | 1,050,000 | 1,050,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,213,000 | 37,736,000 | 37,635,000 | 37,408,000 |
| Interest-bearing deposits | 31,171,000 | 30,478,000 | 30,528,000 | 29,489,000 |
| Noninterest-bearing deposits | 7,042,000 | 7,258,000 | 7,107,000 | 7,919,000 |
| Equity capital | 6,250,000 | 6,236,000 | 6,340,000 | 6,321,000 |
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 | 392,000 | 776,000 | 1,138,000 | 1,503,000 |
| Interest expense | 19,000 | 38,000 | 56,000 | 75,000 |
| Net interest income | 373,000 | 738,000 | 1,082,000 | 1,428,000 |
| Noninterest income | 52,000 | 124,000 | 182,000 | 238,000 |
| Noninterest expense | 418,000 | 817,000 | 1,256,000 | 1,627,000 |
| Provision for loan losses | 0 | 0 | -130,000 | -130,000 |
| Pretax income | 7,000 | 45,000 | 138,000 | 169,000 |
| Income tax | 1,000 | 1,000 | 17,000 | -22,000 |
| Net income | 6,000 | 44,000 | 121,000 | 191,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,003,000 | 6,027,000 | 6,108,000 | 6,114,000 |
| Total capital | 6,269,000 | 6,285,000 | 6,359,000 | 6,369,000 |
| Risk-weighted assets | 20,889,000 | 20,170,000 | 19,767,000 | 20,116,000 |