Call reports 2015
BANK FORWARD — 2015
What BANK FORWARD 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 | 492,940,000 | 492,965,000 | 495,120,000 | 510,317,000 |
| Total loans | 382,741,000 | 407,668,000 | 409,540,000 | 416,679,000 |
| Allowance for loan losses | 4,886,000 | 4,545,000 | 4,629,000 | 4,755,000 |
| Securities available for sale | 40,495,000 | 39,518,000 | 35,726,000 | 31,457,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 407,717,000 | 407,022,000 | 407,684,000 | 422,124,000 |
| Interest-bearing deposits | 311,716,000 | 310,759,000 | 308,578,000 | 318,539,000 |
| Noninterest-bearing deposits | 96,001,000 | 96,263,000 | 99,106,000 | 103,585,000 |
| Equity capital | 52,329,000 | 52,250,000 | 53,363,000 | 54,325,000 |
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 | 4,799,000 | 9,982,000 | 15,307,000 | 20,641,000 |
| Interest expense | 594,000 | 1,193,000 | 1,789,000 | 2,379,000 |
| Net interest income | 4,205,000 | 8,789,000 | 13,518,000 | 18,262,000 |
| Noninterest income | 3,510,000 | 6,480,000 | 9,705,000 | 12,798,000 |
| Noninterest expense | 6,053,000 | 12,020,000 | 18,071,000 | 24,403,000 |
| Provision for loan losses | 0 | 0 | 72,000 | 164,000 |
| Pretax income | 1,660,000 | 3,247,000 | 5,058,000 | 6,374,000 |
| Income tax | 54,000 | 54,000 | 54,000 | 54,000 |
| Net income | 1,606,000 | 3,193,000 | 5,004,000 | 6,320,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,338,000 | 46,481,000 | 47,337,000 | 48,482,000 |
| Total capital | 51,234,000 | 51,037,000 | 51,975,000 | 53,248,000 |
| Risk-weighted assets | 406,123,000 | 423,936,000 | 420,892,000 | 430,402,000 |