Call reports 2015
TRADITIONS BANK — 2015
What TRADITIONS 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 | 296,841,000 | 291,311,000 | 297,342,000 | 299,011,000 |
| Total loans | 230,653,000 | 232,970,000 | 235,877,000 | 235,251,000 |
| Allowance for loan losses | 3,437,000 | 3,483,000 | 3,572,000 | 3,603,000 |
| Securities available for sale | 16,517,000 | 15,801,000 | 14,789,000 | 14,377,000 |
| Securities held to maturity | 2,961,000 | 2,968,000 | 2,972,000 | 2,977,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 265,092,000 | 259,343,000 | 264,278,000 | 265,534,000 |
| Interest-bearing deposits | 226,919,000 | 219,537,000 | 223,846,000 | 225,867,000 |
| Noninterest-bearing deposits | 38,173,000 | 39,806,000 | 40,432,000 | 39,667,000 |
| Equity capital | 27,411,000 | 27,704,000 | 28,632,000 | 29,402,000 |
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 | 4,018,000 | 8,074,000 | 12,175,000 | 16,340,000 |
| Interest expense | 349,000 | 706,000 | 1,063,000 | 1,416,000 |
| Net interest income | 3,669,000 | 7,368,000 | 11,112,000 | 14,924,000 |
| Noninterest income | 866,000 | 1,777,000 | 2,562,000 | 3,505,000 |
| Noninterest expense | 3,015,000 | 6,112,000 | 9,111,000 | 12,441,000 |
| Provision for loan losses | 370,000 | 648,000 | 841,000 | 1,107,000 |
| Pretax income | 1,150,000 | 2,385,000 | 3,722,000 | 4,881,000 |
| Income tax | 397,000 | 806,000 | 1,294,000 | 1,686,000 |
| Net income | 753,000 | 1,579,000 | 2,428,000 | 3,195,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,186,000 | 27,576,000 | 28,387,000 | 29,145,000 |
| Total capital | 30,131,000 | 30,338,000 | 31,180,000 | 31,944,000 |
| Risk-weighted assets | 235,127,000 | 220,240,000 | 222,639,000 | 223,030,000 |