Call reports 2015
STATE EXCHANGE BANK, THE — 2015
What STATE EXCHANGE BANK, 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 | 36,167,000 | 36,395,000 | 36,483,000 | 41,945,000 |
| Total loans | 13,928,000 | 14,226,000 | 14,909,000 | 14,536,000 |
| Allowance for loan losses | 193,000 | 190,000 | 190,000 | 216,000 |
| Securities available for sale | 18,360,000 | 19,068,000 | 17,135,000 | 16,864,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,675,000 | 31,979,000 | 30,610,000 | 37,347,000 |
| Interest-bearing deposits | 25,528,000 | 24,993,000 | 24,129,000 | 24,482,000 |
| Noninterest-bearing deposits | 6,147,000 | 6,986,000 | 6,481,000 | 12,865,000 |
| Equity capital | 3,946,000 | 3,886,000 | 4,032,000 | 4,069,000 |
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 | 297,000 | 594,000 | 896,000 | 1,205,000 |
| Interest expense | 36,000 | 72,000 | 106,000 | 141,000 |
| Net interest income | 261,000 | 522,000 | 790,000 | 1,064,000 |
| Noninterest income | 14,000 | 34,000 | 54,000 | 69,000 |
| Noninterest expense | 196,000 | 394,000 | 587,000 | 857,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 75,000 |
| Pretax income | 31,000 | 114,000 | 217,000 | 211,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 29,000 | 112,000 | 215,000 | 209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,748,000 | 3,831,000 | 3,935,000 | 3,933,000 |
| Total capital | 3,941,000 | 4,021,000 | 4,125,000 | 4,149,000 |
| Risk-weighted assets | 17,786,000 | 18,546,000 | 18,917,000 | 20,168,000 |