Call reports 2015
DEARBORN SAVINGS BANK — 2015
What DEARBORN SAVINGS BANK 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 | 118,008,000 | 117,467,000 | 117,343,000 | 116,268,000 |
| Total loans | 86,888,000 | 87,229,000 | 87,300,000 | 87,175,000 |
| Allowance for loan losses | 894,000 | 844,000 | 844,000 | 844,000 |
| Securities available for sale | 8,910,000 | 9,620,000 | 8,798,000 | 5,077,000 |
| Securities held to maturity | 4,062,000 | 4,035,000 | 5,003,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,148,000 | 91,544,000 | 92,889,000 | 92,892,000 |
| Interest-bearing deposits | 87,534,000 | 87,510,000 | 88,176,000 | 88,156,000 |
| Noninterest-bearing deposits | 4,614,000 | 4,034,000 | 4,713,000 | 4,736,000 |
| Equity capital | 15,841,000 | 15,978,000 | 16,194,000 | 16,417,000 |
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 | 1,031,000 | 2,051,000 | 3,083,000 | 4,090,000 |
| Interest expense | 158,000 | 317,000 | 479,000 | 642,000 |
| Net interest income | 873,000 | 1,734,000 | 2,604,000 | 3,448,000 |
| Noninterest income | 78,000 | 125,000 | 228,000 | 368,000 |
| Noninterest expense | 664,000 | 1,346,000 | 2,027,000 | 2,679,000 |
| Provision for loan losses | -10,000 | -60,000 | -60,000 | -103,000 |
| Pretax income | 319,000 | 595,000 | 887,000 | 1,268,000 |
| Income tax | 111,000 | 205,000 | 302,000 | 424,000 |
| Net income | 208,000 | 390,000 | 585,000 | 844,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,814,000 | 15,996,000 | 16,191,000 | 16,450,000 |
| Total capital | 16,708,000 | 16,840,000 | 17,035,000 | 17,294,000 |
| Risk-weighted assets | 72,008,000 | 72,150,000 | 72,192,000 | 71,653,000 |