Call reports 2015
COMMUNITY BANK OF SNYDER — 2015
What COMMUNITY BANK OF SNYDER 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 | 138,161,000 | 132,602,000 | 130,361,000 | 122,664,000 |
| Total loans | 55,106,000 | 58,721,000 | 61,713,000 | 58,641,000 |
| Allowance for loan losses | 698,000 | 554,000 | 581,000 | 317,000 |
| Securities available for sale | 63,544,000 | 62,259,000 | 53,414,000 | 53,095,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,189,000 | 120,808,000 | 118,253,000 | 110,583,000 |
| Interest-bearing deposits | 74,853,000 | 72,717,000 | 70,197,000 | 64,211,000 |
| Noninterest-bearing deposits | 51,336,000 | 48,091,000 | 48,056,000 | 46,372,000 |
| Equity capital | 11,027,000 | 10,829,000 | 11,129,000 | 11,318,000 |
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 | 839,000 | 1,731,000 | 2,638,000 | 3,540,000 |
| Interest expense | 43,000 | 85,000 | 125,000 | 161,000 |
| Net interest income | 796,000 | 1,646,000 | 2,513,000 | 3,379,000 |
| Noninterest income | 63,000 | 125,000 | 195,000 | 269,000 |
| Noninterest expense | 796,000 | 1,595,000 | 2,274,000 | 3,065,000 |
| Provision for loan losses | 245,000 | 492,000 | 522,000 | 526,000 |
| Pretax income | -182,000 | -316,000 | -88,000 | 57,000 |
| Income tax | 0 | 0 | 0 | -74,000 |
| Net income | -182,000 | -316,000 | -88,000 | 131,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,900,000 | 10,765,000 | 10,993,000 | 11,212,000 |
| Total capital | 11,598,000 | 11,319,000 | 11,574,000 | 11,529,000 |
| Risk-weighted assets | 74,607,000 | 77,273,000 | 79,946,000 | 77,020,000 |