Call reports 2015
S-BANK — 2015
What S-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 |
|---|---|---|---|
| Total assets | 198,776,000 | 198,516,000 | 199,012,000 |
| Total loans | 138,811,000 | 138,847,000 | 148,537,000 |
| Allowance for loan losses | 909,000 | 920,000 | 921,000 |
| Securities available for sale | 34,241,000 | 35,911,000 | 36,196,000 |
| Securities held to maturity | 66,000 | 66,000 | 65,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 163,851,000 | 166,575,000 | 160,922,000 |
| Interest-bearing deposits | 136,284,000 | 138,882,000 | 135,406,000 |
| Noninterest-bearing deposits | 27,567,000 | 27,693,000 | 25,516,000 |
| Equity capital | 18,634,000 | 18,572,000 | 18,686,000 |
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 |
|---|---|---|---|
| Interest income | 1,748,000 | 3,521,000 | 5,288,000 |
| Interest expense | 273,000 | 563,000 | 851,000 |
| Net interest income | 1,475,000 | 2,958,000 | 4,437,000 |
| Noninterest income | 157,000 | 314,000 | 438,000 |
| Noninterest expense | 1,483,000 | 2,958,000 | 4,568,000 |
| Provision for loan losses | 35,000 | 43,000 | 43,000 |
| Pretax income | 163,000 | 320,000 | 313,000 |
| Income tax | 43,000 | 92,000 | 91,000 |
| Net income | 120,000 | 228,000 | 222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 |
|---|---|---|---|
| Tier 1 capital | 18,394,000 | 18,478,000 | 18,446,000 |
| Total capital | 19,410,000 | 19,509,000 | 19,469,000 |
| Risk-weighted assets | 141,417,000 | 141,923,000 | 148,603,000 |