Call reports 2015
STATE BANK OF TAUNTON — 2015
What STATE BANK OF TAUNTON 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 | 58,906,000 | 56,681,000 | 53,680,000 | 52,107,000 |
| Total loans | 34,088,000 | 33,631,000 | 35,115,000 | 34,305,000 |
| Allowance for loan losses | 521,000 | 518,000 | 553,000 | 561,000 |
| Securities available for sale | 11,500,000 | 14,244,000 | 9,865,000 | 9,287,000 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,331,000 | 52,326,000 | 49,162,000 | 47,563,000 |
| Interest-bearing deposits | 49,057,000 | 47,542,000 | 44,458,000 | 42,393,000 |
| Noninterest-bearing deposits | 5,274,000 | 4,784,000 | 4,704,000 | 5,170,000 |
| Equity capital | 4,409,000 | 4,161,000 | 4,312,000 | 4,447,000 |
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 | 530,000 | 1,071,000 | 1,651,000 | 2,192,000 |
| Interest expense | 108,000 | 216,000 | 314,000 | 388,000 |
| Net interest income | 422,000 | 855,000 | 1,337,000 | 1,804,000 |
| Noninterest income | 50,000 | 106,000 | 108,000 | 171,000 |
| Noninterest expense | 430,000 | 864,000 | 1,273,000 | 1,652,000 |
| Provision for loan losses | 0 | 175,000 | 175,000 | 175,000 |
| Pretax income | 43,000 | -76,000 | 25,000 | 180,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 43,000 | -76,000 | 25,000 | 180,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,346,000 | 4,227,000 | 4,328,000 | 4,483,000 |
| Total capital | 4,815,000 | 4,739,000 | 4,816,000 | 4,968,000 |
| Risk-weighted assets | 37,535,000 | 40,973,000 | 38,977,000 | 38,690,000 |