Call reports 2015
LIFESTORE BANK — 2015
What LIFESTORE 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 | 255,568,000 | 253,223,000 | 256,422,000 | 266,267,000 |
| Total loans | 184,822,000 | 179,809,000 | 176,708,000 | 171,061,000 |
| Allowance for loan losses | 2,880,000 | 2,901,000 | 2,845,000 | 2,557,000 |
| Securities available for sale | 24,118,000 | 23,402,000 | 24,951,000 | 34,656,000 |
| Securities held to maturity | 8,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,473,000 | 182,445,000 | 185,928,000 | 195,432,000 |
| Interest-bearing deposits | 157,831,000 | 157,275,000 | 155,299,000 | 160,149,000 |
| Noninterest-bearing deposits | 27,642,000 | 25,170,000 | 30,629,000 | 35,283,000 |
| Equity capital | 26,418,000 | 26,617,000 | 26,986,000 | 27,277,000 |
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 | 2,779,000 | 5,252,000 | 7,655,000 | 10,004,000 |
| Interest expense | 536,000 | 1,025,000 | 1,522,000 | 2,018,000 |
| Net interest income | 2,243,000 | 4,227,000 | 6,133,000 | 7,986,000 |
| Noninterest income | 769,000 | 1,434,000 | 2,140,000 | 2,940,000 |
| Noninterest expense | 2,436,000 | 4,790,000 | 6,916,000 | 9,127,000 |
| Provision for loan losses | -4,000 | 51,000 | 152,000 | 154,000 |
| Pretax income | 580,000 | 820,000 | 1,205,000 | 1,645,000 |
| Income tax | 188,000 | 87,000 | 161,000 | 258,000 |
| Net income | 392,000 | 733,000 | 1,044,000 | 1,387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,807,000 | 25,665,000 | 25,976,000 | 26,319,000 |
| Total capital | 28,055,000 | 27,813,000 | 28,075,000 | 28,391,000 |
| Risk-weighted assets | 179,281,000 | 170,571,000 | 166,658,000 | 164,815,000 |