Call reports 2015
FORESIGHT BANK — 2015
What FORESIGHT 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 | 207,941,000 | 212,455,000 | 213,241,000 | 215,884,000 |
| Total loans | 149,083,000 | 147,538,000 | 146,081,000 | 145,805,000 |
| Allowance for loan losses | 2,932,000 | 2,838,000 | 2,766,000 | 2,563,000 |
| Securities available for sale | 51,233,000 | 55,378,000 | 57,290,000 | 61,096,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,392,000 | 186,485,000 | 188,320,000 | 189,854,000 |
| Interest-bearing deposits | 164,156,000 | 169,466,000 | 172,959,000 | 169,033,000 |
| Noninterest-bearing deposits | 17,236,000 | 17,019,000 | 15,361,000 | 20,821,000 |
| Equity capital | 21,178,000 | 21,181,000 | 20,033,000 | 20,350,000 |
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 | 2,142,000 | 4,252,000 | 6,384,000 | 8,508,000 |
| Interest expense | 376,000 | 749,000 | 1,134,000 | 1,506,000 |
| Net interest income | 1,766,000 | 3,503,000 | 5,250,000 | 7,002,000 |
| Noninterest income | 220,000 | 453,000 | 708,000 | 1,031,000 |
| Noninterest expense | 1,078,000 | 2,253,000 | 3,404,000 | 4,666,000 |
| Provision for loan losses | 45,000 | 80,000 | 95,000 | 110,000 |
| Pretax income | 864,000 | 1,624,000 | 2,523,000 | 3,320,000 |
| Income tax | 275,000 | 509,000 | 794,000 | 1,036,000 |
| Net income | 589,000 | 1,115,000 | 1,729,000 | 2,284,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,400,000 | 20,662,000 | 19,493,000 | 19,776,000 |
| Total capital | 22,474,000 | 22,737,000 | 21,545,000 | 21,867,000 |
| Risk-weighted assets | 165,090,000 | 165,233,000 | 163,451,000 | 166,841,000 |