Call reports 2015
CURRENCY BANK — 2015
What CURRENCY BANK 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 | 52,846,000 | 51,645,000 | 54,728,000 | 58,116,000 |
| Total loans | 26,384,000 | 27,049,000 | 29,379,000 | 31,229,000 |
| Allowance for loan losses | 341,000 | 333,000 | 328,000 | 344,000 |
| Securities available for sale | 19,387,000 | 18,507,000 | 18,867,000 | 19,603,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,097,000 | 46,097,000 | 48,153,000 | 52,552,000 |
| Interest-bearing deposits | 35,677,000 | 35,544,000 | 35,921,000 | 39,262,000 |
| Noninterest-bearing deposits | 11,420,000 | 10,553,000 | 12,232,000 | 13,290,000 |
| Equity capital | 5,525,000 | 5,406,000 | 5,666,000 | 5,354,000 |
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 | 522,000 | 1,040,000 | 1,584,000 | 2,162,000 |
| Interest expense | 48,000 | 97,000 | 148,000 | 199,000 |
| Net interest income | 474,000 | 943,000 | 1,436,000 | 1,963,000 |
| Noninterest income | 76,000 | 156,000 | 235,000 | 312,000 |
| Noninterest expense | 393,000 | 775,000 | 1,165,000 | 1,568,000 |
| Provision for loan losses | 0 | 0 | 0 | 12,000 |
| Pretax income | 167,000 | 334,000 | 516,000 | 705,000 |
| Income tax | 47,000 | 93,000 | 146,000 | 213,000 |
| Net income | 120,000 | 241,000 | 370,000 | 492,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,433,000 | 5,527,000 | 5,656,000 | 5,489,000 |
| Total capital | 5,774,000 | 5,860,000 | 5,984,000 | 5,833,000 |
| Risk-weighted assets | 39,128,000 | 39,637,000 | 38,421,000 | 43,181,000 |