Call reports 2015
STATE BANK OF DAVIS — 2015
What STATE BANK OF DAVIS 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 | 144,726,000 | 145,355,000 | 171,786,000 | 157,576,000 |
| Total loans | 97,420,000 | 103,042,000 | 102,230,000 | 111,173,000 |
| Allowance for loan losses | 1,929,000 | 2,006,000 | 2,173,000 | 2,290,000 |
| Securities available for sale | 37,258,000 | 35,663,000 | 35,131,000 | 36,427,000 |
| Securities held to maturity | 1,224,000 | 1,234,000 | 935,000 | 868,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,039,000 | 116,562,000 | 147,655,000 | 134,501,000 |
| Interest-bearing deposits | 106,615,000 | 105,343,000 | 134,332,000 | 121,294,000 |
| Noninterest-bearing deposits | 12,424,000 | 11,219,000 | 13,322,000 | 13,207,000 |
| Equity capital | 15,271,000 | 15,310,000 | 14,320,000 | 14,619,000 |
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 | 1,457,000 | 2,915,000 | 4,392,000 | 5,921,000 |
| Interest expense | 231,000 | 470,000 | 722,000 | 980,000 |
| Net interest income | 1,226,000 | 2,445,000 | 3,670,000 | 4,941,000 |
| Noninterest income | 53,000 | 100,000 | 182,000 | 193,000 |
| Noninterest expense | 564,000 | 1,164,000 | 1,741,000 | 2,314,000 |
| Provision for loan losses | 68,000 | 145,000 | 311,000 | 429,000 |
| Pretax income | 670,000 | 1,259,000 | 1,833,000 | 2,451,000 |
| Income tax | 209,000 | 327,000 | 439,000 | 573,000 |
| Net income | 461,000 | 932,000 | 1,394,000 | 1,878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,355,000 | 14,622,000 | 13,621,000 | 13,900,000 |
| Total capital | 15,787,000 | 16,077,000 | 15,157,000 | 15,574,000 |
| Risk-weighted assets | 114,095,000 | 115,831,000 | 122,226,000 | 133,293,000 |