Call reports 2015
BEAUREGARD FEDERAL SAVINGS BANK — 2015
What BEAUREGARD FEDERAL 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 | 57,444,000 | 57,684,000 | 58,939,000 | 63,328,000 |
| Total loans | 33,225,000 | 35,344,000 | 38,636,000 | 39,392,000 |
| Allowance for loan losses | 697,000 | 713,000 | 727,000 | 744,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 14,085,000 | 14,073,000 | 13,159,000 | 11,520,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,971,000 | 47,081,000 | 48,057,000 | 52,793,000 |
| Interest-bearing deposits | 45,777,000 | 45,684,000 | 42,304,000 | 51,590,000 |
| Noninterest-bearing deposits | 1,194,000 | 1,397,000 | 5,753,000 | 1,203,000 |
| Equity capital | 10,187,000 | 10,289,000 | 10,502,000 | 10,186,000 |
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 | 706,000 | 1,462,000 | 2,274,000 | 3,084,000 |
| Interest expense | 73,000 | 145,000 | 215,000 | 281,000 |
| Net interest income | 633,000 | 1,317,000 | 2,059,000 | 2,803,000 |
| Noninterest income | 33,000 | 67,000 | 104,000 | 130,000 |
| Noninterest expense | 406,000 | 804,000 | 1,224,000 | 1,653,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 245,000 | 550,000 | 894,000 | 1,220,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 245,000 | 550,000 | 894,000 | 1,220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,187,000 | 10,289,000 | 10,502,000 | 10,186,000 |
| Total capital | 10,545,000 | 10,660,000 | 10,904,000 | 10,608,000 |
| Risk-weighted assets | 28,352,000 | 29,367,000 | 31,886,000 | 33,464,000 |