Call reports 2015
LAKE SUNAPEE BANK, FSB — 2015
What LAKE SUNAPEE BANK, FSB 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 | 1,485,521,000 | 1,510,096,000 | 1,489,426,000 | 1,517,449,000 |
| Total loans | 1,205,881,000 | 1,207,377,000 | 1,206,184,000 | 1,228,843,000 |
| Allowance for loan losses | 9,073,000 | 8,926,000 | 8,593,000 | 8,889,000 |
| Securities available for sale | 111,508,000 | 119,345,000 | 122,679,000 | 120,198,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,142,378,000 | 1,158,648,000 | 1,156,269,000 | 1,165,172,000 |
| Interest-bearing deposits | 1,093,354,000 | 1,107,785,000 | 1,091,170,000 | 1,107,500,000 |
| Noninterest-bearing deposits | 49,024,000 | 50,863,000 | 65,099,000 | 57,672,000 |
| Equity capital | 173,708,000 | 173,303,000 | 169,088,000 | 170,936,000 |
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 | 12,028,000 | 23,891,000 | 35,947,000 | 48,034,000 |
| Interest expense | 1,362,000 | 2,616,000 | 3,787,000 | 5,005,000 |
| Net interest income | 10,666,000 | 21,275,000 | 32,160,000 | 43,029,000 |
| Noninterest income | 5,211,000 | 11,144,000 | 16,463,000 | 21,679,000 |
| Noninterest expense | 11,841,000 | 23,729,000 | 36,133,000 | 48,164,000 |
| Provision for loan losses | 200,000 | 400,000 | 400,000 | 1,000,000 |
| Pretax income | 4,209,000 | 8,663,000 | 12,463,000 | 15,891,000 |
| Income tax | 1,476,000 | 3,023,000 | 4,302,000 | 5,176,000 |
| Net income | 2,733,000 | 5,640,000 | 8,161,000 | 10,715,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 133,264,000 | 133,289,000 | 128,924,000 | 131,586,000 |
| Total capital | 142,527,000 | 142,403,000 | 137,700,000 | 140,668,000 |
| Risk-weighted assets | 998,633,000 | 997,865,000 | 1,000,770,000 | 1,032,940,000 |