Call reports 2015
MENNO STATE BANK — 2015
What MENNO 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 | 37,948,000 | 37,070,000 | 36,881,000 | 39,255,000 |
| Total loans | 18,185,000 | 19,393,000 | 19,894,000 | 20,329,000 |
| Allowance for loan losses | 228,000 | 233,000 | 233,000 | 233,000 |
| Securities available for sale | 3,634,000 | 3,601,000 | 3,605,000 | 3,486,000 |
| Securities held to maturity | 8,228,000 | 7,729,000 | 7,243,000 | 6,803,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,868,000 | 32,924,000 | 32,596,000 | 34,927,000 |
| Interest-bearing deposits | 23,599,000 | 23,236,000 | 23,276,000 | 24,537,000 |
| Noninterest-bearing deposits | 10,269,000 | 9,688,000 | 9,320,000 | 10,390,000 |
| Equity capital | 3,597,000 | 3,660,000 | 3,760,000 | 3,657,000 |
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 | 276,000 | 564,000 | 865,000 | 1,173,000 |
| Interest expense | 9,000 | 19,000 | 29,000 | 40,000 |
| Net interest income | 267,000 | 545,000 | 836,000 | 1,133,000 |
| Noninterest income | 24,000 | 40,000 | 61,000 | 78,000 |
| Noninterest expense | 182,000 | 346,000 | 505,000 | 750,000 |
| Provision for loan losses | 3,000 | 8,000 | 9,000 | 9,000 |
| Pretax income | 106,000 | 231,000 | 383,000 | 452,000 |
| Income tax | 29,000 | 80,000 | 139,000 | 153,000 |
| Net income | 77,000 | 151,000 | 244,000 | 299,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,579,000 | 3,653,000 | 3,760,000 | 3,657,000 |
| Total capital | 3,807,000 | 3,886,000 | 3,993,000 | 3,890,000 |
| Risk-weighted assets | 21,024,000 | 22,344,000 | 22,784,000 | 23,098,000 |