Call reports 2015
STATE BANK OF WHEATON — 2015
What STATE BANK OF WHEATON 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 | 75,262,000 | 76,915,000 | 78,295,000 | 79,457,000 |
| Total loans | 62,224,000 | 67,093,000 | 66,634,000 | 65,883,000 |
| Allowance for loan losses | 1,500,000 | 1,500,000 | 1,500,000 | 1,500,000 |
| Securities available for sale | 5,688,000 | 5,499,000 | 5,401,000 | 5,262,000 |
| Securities held to maturity | 13,000 | 12,000 | 10,000 | 9,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,975,000 | 56,867,000 | 60,771,000 | 61,493,000 |
| Interest-bearing deposits | 47,186,000 | 47,328,000 | 49,197,000 | 48,465,000 |
| Noninterest-bearing deposits | 11,789,000 | 9,539,000 | 11,574,000 | 13,028,000 |
| Equity capital | 16,011,000 | 15,814,000 | 15,830,000 | 16,438,000 |
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 | 769,000 | 1,636,000 | 2,503,000 | 3,380,000 |
| Interest expense | 56,000 | 116,000 | 175,000 | 235,000 |
| Net interest income | 713,000 | 1,520,000 | 2,328,000 | 3,145,000 |
| Noninterest income | 34,000 | 63,000 | 97,000 | 130,000 |
| Noninterest expense | 308,000 | 647,000 | 955,000 | 1,194,000 |
| Provision for loan losses | -428,000 | -438,000 | -438,000 | -452,000 |
| Pretax income | 867,000 | 1,374,000 | 1,908,000 | 2,533,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 866,000 | 1,373,000 | 1,907,000 | 2,532,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,923,000 | 15,746,000 | 15,758,000 | 16,383,000 |
| Total capital | 16,723,000 | 16,602,000 | 16,623,000 | 17,241,000 |
| Risk-weighted assets | 63,276,000 | 67,820,000 | 68,540,000 | 68,019,000 |