Call reports 2015
STATE BANK OF HERSCHER — 2015
What STATE BANK OF HERSCHER 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 | 128,894,000 | 122,497,000 | 145,727,000 | 140,009,000 |
| Total loans | 76,364,000 | 68,289,000 | 56,340,000 | 56,757,000 |
| Allowance for loan losses | 5,039,000 | 4,052,000 | 187,000 | 227,000 |
| Securities available for sale | 37,096,000 | 33,041,000 | 49,213,000 | 60,117,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,516,000 | 117,379,000 | 125,901,000 | 120,090,000 |
| Interest-bearing deposits | 103,834,000 | 95,975,000 | 103,823,000 | 98,998,000 |
| Noninterest-bearing deposits | 18,682,000 | 21,405,000 | 22,078,000 | 21,092,000 |
| Equity capital | 687,000 | 2,708,000 | 18,430,000 | 18,490,000 |
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 | 1,054,000 | 2,035,000 | 1,162,000 | 2,689,000 |
| Interest expense | 103,000 | 202,000 | 74,000 | 113,000 |
| Net interest income | 951,000 | 1,833,000 | 1,088,000 | 2,576,000 |
| Noninterest income | 143,000 | 2,740,000 | 199,000 | 236,000 |
| Noninterest expense | 1,333,000 | 2,829,000 | 1,071,000 | 2,471,000 |
| Provision for loan losses | 1,784,000 | 1,784,000 | 187,000 | 227,000 |
| Pretax income | -2,023,000 | -40,000 | 73,000 | 260,000 |
| Income tax | 0 | 0 | 13,000 | 57,000 |
| Net income | -2,023,000 | -40,000 | 60,000 | 203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 843,000 | 2,812,000 | 16,717,000 | 16,901,000 |
| Total capital | 2,005,000 | 3,847,000 | 16,904,000 | 17,128,000 |
| Risk-weighted assets | 89,141,000 | 79,725,000 | 74,255,000 | 75,241,000 |