Call reports 2015
SILVER LAKE BANK — 2015
What SILVER LAKE 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 | 258,188,000 | 253,687,000 | 250,315,000 | 250,841,000 |
| Total loans | 144,930,000 | 145,507,000 | 145,129,000 | 148,368,000 |
| Allowance for loan losses | 2,467,000 | 2,423,000 | 2,435,000 | 2,448,000 |
| Securities available for sale | 75,511,000 | 73,996,000 | 76,581,000 | 78,280,000 |
| Securities held to maturity | 275,000 | 275,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,370,000 | 179,722,000 | 176,693,000 | 175,968,000 |
| Interest-bearing deposits | 154,540,000 | 150,812,000 | 144,723,000 | 140,496,000 |
| Noninterest-bearing deposits | 29,830,000 | 28,910,000 | 31,970,000 | 35,472,000 |
| Equity capital | 28,420,000 | 28,540,000 | 28,890,000 | 29,148,000 |
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 | 2,030,000 | 4,079,000 | 6,101,000 | 8,184,000 |
| Interest expense | 308,000 | 619,000 | 930,000 | 1,241,000 |
| Net interest income | 1,722,000 | 3,460,000 | 5,171,000 | 6,943,000 |
| Noninterest income | 63,000 | 194,000 | -115,000 | 51,000 |
| Noninterest expense | 1,252,000 | 2,477,000 | 3,739,000 | 4,989,000 |
| Provision for loan losses | 150,000 | 150,000 | 150,000 | 150,000 |
| Pretax income | 383,000 | 1,027,000 | 1,167,000 | 1,855,000 |
| Income tax | 111,000 | 316,000 | 337,000 | 553,000 |
| Net income | 272,000 | 711,000 | 830,000 | 1,302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,711,000 | 28,151,000 | 28,270,000 | 28,742,000 |
| Total capital | 29,671,000 | 30,120,000 | 30,200,000 | 30,683,000 |
| Risk-weighted assets | 156,313,000 | 157,104,000 | 153,936,000 | 154,817,000 |