Call reports 2015
STONE BANK — 2015
What STONE 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 | 85,393,000 | 88,977,000 | 96,343,000 | 103,307,000 |
| Total loans | 66,131,000 | 68,197,000 | 73,651,000 | 74,657,000 |
| Allowance for loan losses | 1,210,000 | 1,243,000 | 1,282,000 | 1,265,000 |
| Securities available for sale | 7,725,000 | 8,257,000 | 8,015,000 | 7,660,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,803,000 | 71,070,000 | 75,038,000 | 76,336,000 |
| Interest-bearing deposits | 66,259,000 | 65,599,000 | 68,633,000 | 69,032,000 |
| Noninterest-bearing deposits | 5,544,000 | 5,471,000 | 6,405,000 | 7,304,000 |
| Equity capital | 11,464,000 | 11,885,000 | 14,306,000 | 15,545,000 |
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 | 1,235,000 | 2,476,000 | 3,852,000 | 5,318,000 |
| Interest expense | 222,000 | 441,000 | 675,000 | 919,000 |
| Net interest income | 1,013,000 | 2,035,000 | 3,177,000 | 4,399,000 |
| Noninterest income | 1,155,000 | 2,348,000 | 2,792,000 | 4,065,000 |
| Noninterest expense | 1,044,000 | 2,152,000 | 3,164,000 | 4,555,000 |
| Provision for loan losses | 150,000 | 332,000 | 382,000 | 574,000 |
| Pretax income | 974,000 | 1,899,000 | 2,423,000 | 3,335,000 |
| Income tax | 373,000 | 727,000 | 928,000 | 1,267,000 |
| Net income | 601,000 | 1,172,000 | 1,495,000 | 2,068,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,524,000 | 11,033,000 | 13,391,000 | 14,668,000 |
| Total capital | 11,226,000 | 11,760,000 | 14,195,000 | 15,537,000 |
| Risk-weighted assets | 55,679,000 | 57,648,000 | 63,896,000 | 69,171,000 |