Call reports 2015
STATE BANK OF DE KALB — 2015
What STATE BANK OF DE KALB 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 | 171,064,000 | 175,531,000 | 181,220,000 | 176,416,000 |
| Total loans | 138,560,000 | 149,998,000 | 156,691,000 | 148,891,000 |
| Allowance for loan losses | 2,122,000 | 2,192,000 | 2,306,000 | 2,407,000 |
| Securities available for sale | 61,000 | 54,000 | 49,000 | 44,000 |
| Securities held to maturity | 1,571,000 | 1,455,000 | 1,350,000 | 1,258,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,024,000 | 138,866,000 | 143,025,000 | 144,015,000 |
| Interest-bearing deposits | 104,894,000 | 104,112,000 | 104,944,000 | 104,573,000 |
| Noninterest-bearing deposits | 35,130,000 | 34,754,000 | 38,081,000 | 39,442,000 |
| Equity capital | 20,654,000 | 21,140,000 | 21,601,000 | 22,015,000 |
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 | 1,872,000 | 3,886,000 | 6,031,000 | 8,187,000 |
| Interest expense | 126,000 | 270,000 | 424,000 | 579,000 |
| Net interest income | 1,746,000 | 3,616,000 | 5,607,000 | 7,608,000 |
| Noninterest income | 373,000 | 932,000 | 1,416,000 | 1,901,000 |
| Noninterest expense | 1,182,000 | 2,434,000 | 3,711,000 | 5,026,000 |
| Provision for loan losses | 50,000 | 131,000 | 260,000 | 407,000 |
| Pretax income | 887,000 | 1,983,000 | 3,052,000 | 4,076,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 887,000 | 1,983,000 | 3,052,000 | 4,076,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,654,000 | 21,140,000 | 21,600,000 | 22,015,000 |
| Total capital | 22,265,000 | 22,862,000 | 23,398,000 | 23,718,000 |
| Risk-weighted assets | 128,346,000 | 137,260,000 | 143,289,000 | 135,550,000 |