Call reports 2015
FIRST BANK OF BANCROFT — 2015
What FIRST BANK OF BANCROFT 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 | 21,490,000 | 21,596,000 | 21,944,000 | 21,114,000 |
| Total loans | 10,895,000 | 10,583,000 | 11,059,000 | 11,180,000 |
| Allowance for loan losses | 126,000 | 125,000 | 127,000 | 129,000 |
| Securities available for sale | 5,354,000 | 4,847,000 | 4,563,000 | 3,826,000 |
| Securities held to maturity | 400,000 | 400,000 | 400,000 | 401,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,007,000 | 18,069,000 | 18,316,000 | 17,573,000 |
| Interest-bearing deposits | 14,152,000 | 14,125,000 | 14,372,000 | 13,718,000 |
| Noninterest-bearing deposits | 3,855,000 | 3,944,000 | 3,944,000 | 3,855,000 |
| Equity capital | 3,330,000 | 3,361,000 | 3,433,000 | 3,357,000 |
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 | 202,000 | 394,000 | 582,000 | 773,000 |
| Interest expense | 11,000 | 22,000 | 33,000 | 44,000 |
| Net interest income | 191,000 | 372,000 | 549,000 | 729,000 |
| Noninterest income | 13,000 | 26,000 | 40,000 | 53,000 |
| Noninterest expense | 131,000 | 250,000 | 359,000 | 536,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | 10,000 |
| Pretax income | 63,000 | 138,000 | 220,000 | 236,000 |
| Income tax | 13,000 | 38,000 | 62,000 | 51,000 |
| Net income | 50,000 | 100,000 | 158,000 | 185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,292,000 | 3,342,000 | 3,400,000 | 3,327,000 |
| Total capital | 3,418,000 | 3,467,000 | 3,527,000 | 3,456,000 |
| Risk-weighted assets | 13,466,000 | 13,262,000 | 13,370,000 | 13,723,000 |