Call reports 2015
SHARON BANK — 2015
What SHARON 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 | 190,886,000 | 194,622,000 | 189,219,000 | 179,425,000 |
| Total loans | 56,638,000 | 55,874,000 | 54,199,000 | 53,187,000 |
| Allowance for loan losses | 257,000 | 330,000 | 330,000 | 325,000 |
| Securities available for sale | 98,634,000 | 103,392,000 | 97,461,000 | 96,211,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,185,000 | 153,891,000 | 148,062,000 | 140,965,000 |
| Interest-bearing deposits | 151,221,000 | 146,920,000 | 140,925,000 | 134,178,000 |
| Noninterest-bearing deposits | 6,964,000 | 6,971,000 | 7,137,000 | 6,787,000 |
| Equity capital | 21,186,000 | 20,812,000 | 21,071,000 | 20,495,000 |
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 | 1,380,000 | 2,761,000 | 4,138,000 | 5,474,000 |
| Interest expense | 277,000 | 542,000 | 797,000 | 1,044,000 |
| Net interest income | 1,103,000 | 2,219,000 | 3,341,000 | 4,430,000 |
| Noninterest income | 124,000 | 214,000 | 322,000 | 423,000 |
| Noninterest expense | 1,220,000 | 2,406,000 | 3,586,000 | 4,812,000 |
| Provision for loan losses | 49,000 | 121,000 | 121,000 | 121,000 |
| Pretax income | -42,000 | -94,000 | -8,000 | -40,000 |
| Income tax | 0 | -171,000 | -160,000 | -188,000 |
| Net income | -42,000 | 77,000 | 152,000 | 148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,073,000 | 19,394,000 | 19,536,000 | 19,483,000 |
| Total capital | 21,336,000 | 19,394,000 | 19,536,000 | 19,483,000 |
| Risk-weighted assets | 107,733,000 | 112,310,000 | 111,422,000 | 107,894,000 |