Call reports 2015
BATH STATE BANK — 2015
What BATH STATE 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 | 143,904,000 | 142,803,000 | 142,160,000 | 143,030,000 |
| Total loans | 100,176,000 | 105,474,000 | 101,356,000 | 102,012,000 |
| Allowance for loan losses | 2,401,000 | 2,388,000 | 2,362,000 | 2,371,000 |
| Securities available for sale | 26,023,000 | 28,219,000 | 30,687,000 | 30,737,000 |
| Securities held to maturity | 247,000 | 239,000 | 230,000 | 221,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,759,000 | 126,421,000 | 123,218,000 | 122,182,000 |
| Interest-bearing deposits | 112,494,000 | 114,040,000 | 111,491,000 | 108,114,000 |
| Noninterest-bearing deposits | 13,265,000 | 12,381,000 | 11,727,000 | 14,068,000 |
| Equity capital | 15,104,000 | 15,214,000 | 15,604,000 | 15,272,000 |
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 | 1,510,000 | 3,012,000 | 4,572,000 | 6,112,000 |
| Interest expense | 249,000 | 475,000 | 697,000 | 915,000 |
| Net interest income | 1,261,000 | 2,537,000 | 3,875,000 | 5,197,000 |
| Noninterest income | 141,000 | 301,000 | 516,000 | 667,000 |
| Noninterest expense | 1,094,000 | 1,984,000 | 3,094,000 | 4,129,000 |
| Provision for loan losses | 0 | 0 | -25,000 | -25,000 |
| Pretax income | 308,000 | 854,000 | 1,322,000 | 1,760,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 308,000 | 854,000 | 1,322,000 | 1,760,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,362,000 | 14,707,000 | 14,977,000 | 14,852,000 |
| Total capital | 15,521,000 | 15,902,000 | 16,146,000 | 16,039,000 |
| Risk-weighted assets | 91,505,000 | 94,370,000 | 92,332,000 | 93,778,000 |