Call reports 2015
STATE BANK OF ARCADIA — 2015
What STATE BANK OF ARCADIA 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 | 170,244,000 | 168,189,000 | 164,334,000 | 175,939,000 |
| Total loans | 84,304,000 | 90,173,000 | 90,788,000 | 93,014,000 |
| Allowance for loan losses | 1,048,000 | 1,046,000 | 1,041,000 | 1,005,000 |
| Securities available for sale | 25,654,000 | 23,040,000 | 21,234,000 | 20,625,000 |
| Securities held to maturity | 19,552,000 | 19,501,000 | 18,736,000 | 20,673,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,486,000 | 148,529,000 | 144,217,000 | 155,999,000 |
| Interest-bearing deposits | 126,847,000 | 124,636,000 | 121,919,000 | 129,030,000 |
| Noninterest-bearing deposits | 23,639,000 | 23,892,000 | 22,297,000 | 26,969,000 |
| Equity capital | 19,470,000 | 19,351,000 | 19,800,000 | 19,660,000 |
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 | 1,180,000 | 2,385,000 | 3,634,000 | 4,899,000 |
| Interest expense | 190,000 | 377,000 | 562,000 | 743,000 |
| Net interest income | 990,000 | 2,008,000 | 3,072,000 | 4,156,000 |
| Noninterest income | 59,000 | 116,000 | 177,000 | 238,000 |
| Noninterest expense | 774,000 | 1,560,000 | 2,353,000 | 3,251,000 |
| Provision for loan losses | 6,000 | 8,000 | 8,000 | 20,000 |
| Pretax income | 269,000 | 556,000 | 888,000 | 1,123,000 |
| Income tax | 3,000 | -3,000 | -1,000 | 8,000 |
| Net income | 266,000 | 559,000 | 889,000 | 1,115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,735,000 | 16,710,000 | 17,020,000 | 16,947,000 |
| Total capital | 17,783,000 | 17,756,000 | 18,047,000 | 17,952,000 |
| Risk-weighted assets | 79,526,000 | 85,575,000 | 82,129,000 | 85,166,000 |