Call reports 2015
PHELPS COUNTY BANK — 2015
What PHELPS COUNTY 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 | 345,804,000 | 344,794,000 | 343,134,000 | 358,229,000 |
| Total loans | 184,134,000 | 187,036,000 | 192,852,000 | 196,835,000 |
| Allowance for loan losses | 1,853,000 | 1,880,000 | 1,989,000 | 2,098,000 |
| Securities available for sale | 136,567,000 | 142,701,000 | 140,459,000 | 135,262,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 309,579,000 | 311,006,000 | 309,955,000 | 328,769,000 |
| Interest-bearing deposits | 262,622,000 | 262,248,000 | 259,598,000 | 279,575,000 |
| Noninterest-bearing deposits | 46,957,000 | 48,758,000 | 50,357,000 | 49,194,000 |
| Equity capital | 25,369,000 | 24,678,000 | 25,442,000 | 24,640,000 |
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 | 2,959,000 | 5,990,000 | 9,135,000 | 12,299,000 |
| Interest expense | 302,000 | 571,000 | 840,000 | 1,107,000 |
| Net interest income | 2,657,000 | 5,419,000 | 8,295,000 | 11,192,000 |
| Noninterest income | 789,000 | 1,613,000 | 2,455,000 | 3,322,000 |
| Noninterest expense | 2,393,000 | 4,813,000 | 7,153,000 | 9,586,000 |
| Provision for loan losses | 60,000 | 130,000 | 310,000 | 500,000 |
| Pretax income | 1,012,000 | 2,143,000 | 3,373,000 | 4,514,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 1,010,000 | 2,141,000 | 3,371,000 | 4,512,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,888,000 | 25,018,000 | 25,249,000 | 24,890,000 |
| Total capital | 26,741,000 | 26,898,000 | 27,238,000 | 26,988,000 |
| Risk-weighted assets | 163,770,000 | 172,001,000 | 174,013,000 | 175,148,000 |