Call reports 2015
NAPOLEON STATE BANK, THE — 2015
What NAPOLEON STATE BANK, THE 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 | 197,065,000 | 197,066,000 | 196,502,000 | 195,850,000 |
| Total loans | 150,878,000 | 154,813,000 | 158,994,000 | 160,125,000 |
| Allowance for loan losses | 1,768,000 | 1,806,000 | 1,851,000 | 1,874,000 |
| Securities available for sale | 13,218,000 | 13,206,000 | 12,249,000 | 10,416,000 |
| Securities held to maturity | 8,302,000 | 8,888,000 | 7,973,000 | 8,649,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,128,000 | 172,920,000 | 171,682,000 | 170,905,000 |
| Interest-bearing deposits | 141,968,000 | 141,070,000 | 140,628,000 | 139,487,000 |
| Noninterest-bearing deposits | 31,160,000 | 31,850,000 | 31,054,000 | 31,418,000 |
| Equity capital | 19,903,000 | 20,400,000 | 20,943,000 | 21,261,000 |
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 | 2,083,000 | 4,223,000 | 6,436,000 | 8,664,000 |
| Interest expense | 328,000 | 658,000 | 981,000 | 1,285,000 |
| Net interest income | 1,755,000 | 3,565,000 | 5,455,000 | 7,379,000 |
| Noninterest income | 307,000 | 665,000 | 947,000 | 1,298,000 |
| Noninterest expense | 1,251,000 | 2,382,000 | 3,635,000 | 4,825,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 380,000 |
| Pretax income | 721,000 | 1,668,000 | 2,497,000 | 3,472,000 |
| Income tax | 271,000 | 623,000 | 937,000 | 1,307,000 |
| Net income | 450,000 | 1,045,000 | 1,560,000 | 2,165,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,928,000 | 20,432,000 | 20,947,000 | 21,315,000 |
| Total capital | 21,696,000 | 22,238,000 | 22,798,000 | 23,189,000 |
| Risk-weighted assets | 144,531,000 | 147,546,000 | 150,678,000 | 151,439,000 |