Call reports 2015
DEDICATED COMMUNITY BANK — 2015
What DEDICATED COMMUNITY 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 | 49,319,000 | 47,679,000 | 49,483,000 | 52,212,000 |
| Total loans | 31,628,000 | 32,087,000 | 33,677,000 | 35,083,000 |
| Allowance for loan losses | 298,000 | 297,000 | 312,000 | 304,000 |
| Securities available for sale | 4,283,000 | 4,085,000 | 3,969,000 | 3,863,000 |
| Securities held to maturity | 4,564,000 | 4,558,000 | 4,552,000 | 4,852,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,584,000 | 41,930,000 | 43,616,000 | 46,431,000 |
| Interest-bearing deposits | 35,946,000 | 35,069,000 | 35,848,000 | 37,712,000 |
| Noninterest-bearing deposits | 7,638,000 | 6,861,000 | 7,768,000 | 8,719,000 |
| Equity capital | 5,645,000 | 5,676,000 | 5,751,000 | 5,751,000 |
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 | 482,000 | 969,000 | 1,489,000 | 2,017,000 |
| Interest expense | 34,000 | 65,000 | 100,000 | 138,000 |
| Net interest income | 448,000 | 904,000 | 1,389,000 | 1,879,000 |
| Noninterest income | 70,000 | 145,000 | 222,000 | 293,000 |
| Noninterest expense | 477,000 | 931,000 | 1,426,000 | 1,999,000 |
| Provision for loan losses | 12,000 | 21,000 | 30,000 | 30,000 |
| Pretax income | 29,000 | 97,000 | 155,000 | 143,000 |
| Income tax | 5,000 | 17,000 | 23,000 | -4,000 |
| Net income | 24,000 | 80,000 | 132,000 | 147,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,636,000 | 5,692,000 | 5,744,000 | 5,758,000 |
| Total capital | 5,934,000 | 5,989,000 | 6,056,000 | 6,062,000 |
| Risk-weighted assets | 31,107,000 | 31,061,000 | 31,858,000 | 34,101,000 |