Call reports 2015
STATE BANK OF BOTTINEAU — 2015
What STATE BANK OF BOTTINEAU 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 | 70,602,000 | 73,570,000 | 75,702,000 | 74,173,000 |
| Total loans | 52,823,000 | 57,089,000 | 59,899,000 | 58,622,000 |
| Allowance for loan losses | 524,000 | 542,000 | 540,000 | 570,000 |
| Securities available for sale | 6,555,000 | 6,409,000 | 6,282,000 | 6,154,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,629,000 | 57,499,000 | 57,464,000 | 60,847,000 |
| Interest-bearing deposits | 48,971,000 | 45,423,000 | 44,244,000 | 45,298,000 |
| Noninterest-bearing deposits | 14,657,000 | 12,076,000 | 13,220,000 | 15,549,000 |
| Equity capital | 5,948,000 | 6,021,000 | 6,163,000 | 6,296,000 |
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 | 685,000 | 1,417,000 | 2,211,000 | 2,991,000 |
| Interest expense | 67,000 | 138,000 | 212,000 | 283,000 |
| Net interest income | 618,000 | 1,279,000 | 1,999,000 | 2,708,000 |
| Noninterest income | 39,000 | 82,000 | 835,000 | 856,000 |
| Noninterest expense | 456,000 | 923,000 | 2,236,000 | 2,786,000 |
| Provision for loan losses | 14,000 | 28,000 | 52,000 | 79,000 |
| Pretax income | 187,000 | 410,000 | 546,000 | 699,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 187,000 | 410,000 | 546,000 | 699,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,775,000 | 5,862,000 | 6,000,000 | 6,151,000 |
| Total capital | 6,299,000 | 6,404,000 | 6,540,000 | 6,721,000 |
| Risk-weighted assets | 51,428,000 | 59,176,000 | 62,139,000 | 60,753,000 |