Call reports 2015
BANK OF BOURBONNAIS — 2015
What BANK OF BOURBONNAIS 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 | 88,170,000 | 87,688,000 | 85,739,000 | 83,460,000 |
| Total loans | 41,672,000 | 45,313,000 | 45,198,000 | 44,028,000 |
| Allowance for loan losses | 1,421,000 | 1,419,000 | 1,413,000 | 1,407,000 |
| Securities available for sale | 13,902,000 | 12,882,000 | 12,340,000 | 15,569,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,098,000 | 76,545,000 | 75,041,000 | 72,832,000 |
| Interest-bearing deposits | 64,906,000 | 63,603,000 | 63,218,000 | 60,787,000 |
| Noninterest-bearing deposits | 12,191,000 | 12,942,000 | 11,823,000 | 12,046,000 |
| Equity capital | 8,099,000 | 8,121,000 | 8,144,000 | 8,221,000 |
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 | 575,000 | 1,150,000 | 1,736,000 | 2,315,000 |
| Interest expense | 102,000 | 204,000 | 308,000 | 404,000 |
| Net interest income | 473,000 | 946,000 | 1,428,000 | 1,911,000 |
| Noninterest income | 35,000 | 77,000 | 122,000 | 160,000 |
| Noninterest expense | 422,000 | 841,000 | 1,256,000 | 1,557,000 |
| Provision for loan losses | 10,000 | 18,000 | 20,000 | 20,000 |
| Pretax income | 76,000 | 164,000 | 274,000 | 494,000 |
| Income tax | 29,000 | 63,000 | 105,000 | 190,000 |
| Net income | 47,000 | 101,000 | 169,000 | 304,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,085,000 | 8,099,000 | 8,126,000 | 8,221,000 |
| Total capital | 8,640,000 | 8,696,000 | 8,709,000 | 8,776,000 |
| Risk-weighted assets | 43,548,000 | 46,952,000 | 45,799,000 | 43,546,000 |