Call reports 2015
BANK OF FINCASTLE, THE — 2015
What BANK OF FINCASTLE, 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 | 223,670,000 | 218,897,000 | 220,172,000 | 216,843,000 |
| Total loans | 147,216,000 | 146,522,000 | 147,102,000 | 148,598,000 |
| Allowance for loan losses | 1,670,000 | 2,114,000 | 2,408,000 | 2,912,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 43,718,000 | 42,528,000 | 38,637,000 | 42,067,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,682,000 | 193,175,000 | 195,987,000 | 193,114,000 |
| Interest-bearing deposits | 135,489,000 | 133,619,000 | 134,644,000 | 132,289,000 |
| Noninterest-bearing deposits | 61,193,000 | 59,556,000 | 61,343,000 | 60,825,000 |
| Equity capital | 26,203,000 | 25,081,000 | 23,377,000 | 22,034,000 |
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 | 1,828,000 | 3,593,000 | 5,387,000 | 7,169,000 |
| Interest expense | 223,000 | 438,000 | 643,000 | 845,000 |
| Net interest income | 1,605,000 | 3,155,000 | 4,744,000 | 6,324,000 |
| Noninterest income | 297,000 | 668,000 | 1,014,000 | 1,282,000 |
| Noninterest expense | 1,460,000 | 2,961,000 | 6,231,000 | 8,143,000 |
| Provision for loan losses | 166,000 | 1,245,000 | 3,099,000 | 5,147,000 |
| Pretax income | 276,000 | -383,000 | -3,572,000 | -5,684,000 |
| Income tax | 122,000 | 244,000 | -1,242,000 | -2,010,000 |
| Net income | 154,000 | -627,000 | -2,330,000 | -3,674,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,203,000 | 25,081,000 | 23,377,000 | 21,931,000 |
| Total capital | 28,325,000 | 27,195,000 | 25,651,000 | 24,236,000 |
| Risk-weighted assets | 173,276,000 | 180,365,000 | 181,767,000 | 183,767,000 |