Call reports 2015
NORTHERN SKY BANK — 2015
What NORTHERN SKY 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 | 62,348,000 | 61,711,000 | 59,678,000 | 65,484,000 |
| Total loans | 34,066,000 | 34,714,000 | 34,403,000 | 37,181,000 |
| Allowance for loan losses | 385,000 | 385,000 | 385,000 | 385,000 |
| Securities available for sale | 15,331,000 | 15,838,000 | 15,308,000 | 15,085,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,917,000 | 56,247,000 | 53,047,000 | 59,828,000 |
| Interest-bearing deposits | 46,239,000 | 46,167,000 | 43,944,000 | 48,743,000 |
| Noninterest-bearing deposits | 10,678,000 | 10,080,000 | 9,103,000 | 11,085,000 |
| Equity capital | 5,388,000 | 5,428,000 | 5,584,000 | 5,627,000 |
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 | 450,000 | 897,000 | 1,363,000 | 1,840,000 |
| Interest expense | 25,000 | 49,000 | 76,000 | 98,000 |
| Net interest income | 425,000 | 848,000 | 1,287,000 | 1,742,000 |
| Noninterest income | 50,000 | 104,000 | 154,000 | 204,000 |
| Noninterest expense | 306,000 | 628,000 | 931,000 | 1,329,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 169,000 | 324,000 | 510,000 | 617,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 168,000 | 323,000 | 509,000 | 616,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,334,000 | 5,414,000 | 5,525,000 | 5,633,000 |
| Total capital | 5,719,000 | 5,799,000 | 5,910,000 | 6,018,000 |
| Risk-weighted assets | 34,084,000 | 34,637,000 | 34,547,000 | 37,152,000 |