Call reports 2015
ALMENA STATE BANK — 2015
What ALMENA STATE 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 | 34,037,000 | 37,223,000 | 59,770,000 | 63,408,000 |
| Total loans | 30,187,000 | 33,913,000 | 50,491,000 | 55,959,000 |
| Allowance for loan losses | 289,000 | 304,000 | 319,000 | 471,000 |
| Securities available for sale | 897,000 | 729,000 | 755,000 | 681,000 |
| Securities held to maturity | 208,000 | 208,000 | 5,148,000 | 3,162,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,444,000 | 32,644,000 | 53,262,000 | 54,346,000 |
| Interest-bearing deposits | 22,518,000 | 23,769,000 | 42,487,000 | 43,248,000 |
| Noninterest-bearing deposits | 7,926,000 | 8,875,000 | 10,775,000 | 11,098,000 |
| Equity capital | 2,574,000 | 2,548,000 | 5,964,000 | 5,775,000 |
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 | 472,000 | 983,000 | 1,703,000 | 2,466,000 |
| Interest expense | 27,000 | 55,000 | 93,000 | 132,000 |
| Net interest income | 445,000 | 928,000 | 1,610,000 | 2,334,000 |
| Noninterest income | 67,000 | 144,000 | 1,137,000 | 1,519,000 |
| Noninterest expense | 413,000 | 867,000 | 1,452,000 | 2,083,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 198,000 |
| Pretax income | 84,000 | 175,000 | 1,250,000 | 1,567,000 |
| Income tax | 8,000 | 14,000 | 20,000 | 22,000 |
| Net income | 76,000 | 161,000 | 1,230,000 | 1,545,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,548,000 | 2,553,000 | 5,777,000 | 5,641,000 |
| Total capital | 2,837,000 | 2,857,000 | 6,096,000 | 6,112,000 |
| Risk-weighted assets | 27,761,000 | 29,258,000 | 47,577,000 | 53,489,000 |