Call reports 2015
BANK OF ERATH — 2015
What BANK OF ERATH 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 | 106,009,000 | 97,804,000 | 98,678,000 | 98,339,000 |
| Total loans | 59,579,000 | 65,466,000 | 66,449,000 | 67,339,000 |
| Allowance for loan losses | 627,000 | 668,000 | 669,000 | 738,000 |
| Securities available for sale | 27,033,000 | 26,230,000 | 22,576,000 | 20,933,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,428,000 | 84,197,000 | 84,399,000 | 84,535,000 |
| Interest-bearing deposits | 54,487,000 | 53,887,000 | 54,237,000 | 53,901,000 |
| Noninterest-bearing deposits | 37,941,000 | 30,310,000 | 30,162,000 | 30,634,000 |
| Equity capital | 13,165,000 | 13,135,000 | 13,447,000 | 13,043,000 |
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 | 986,000 | 2,010,000 | 3,065,000 | 4,150,000 |
| Interest expense | 60,000 | 120,000 | 181,000 | 240,000 |
| Net interest income | 926,000 | 1,890,000 | 2,884,000 | 3,910,000 |
| Noninterest income | 140,000 | 276,000 | 456,000 | 557,000 |
| Noninterest expense | 832,000 | 1,668,000 | 2,501,000 | 3,465,000 |
| Provision for loan losses | 0 | 0 | 0 | 75,000 |
| Pretax income | 234,000 | 498,000 | 839,000 | 967,000 |
| Income tax | 56,000 | 123,000 | 213,000 | 244,000 |
| Net income | 178,000 | 375,000 | 626,000 | 723,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,807,000 | 13,488,000 | 13,890,000 | 12,750,000 |
| Total capital | 14,434,000 | 14,156,000 | 14,559,000 | 13,488,000 |
| Risk-weighted assets | 80,411,000 | 69,637,000 | 74,937,000 | 68,639,000 |