Call reports 2015
SMALL TOWN BANK — 2015
What SMALL TOWN 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 | 214,467,000 | 213,331,000 | 214,692,000 | 214,303,000 |
| Total loans | 93,972,000 | 92,306,000 | 95,350,000 | 94,567,000 |
| Allowance for loan losses | 2,145,000 | 1,955,000 | 1,965,000 | 1,889,000 |
| Securities available for sale | 96,035,000 | 93,194,000 | 92,054,000 | 88,669,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,577,000 | 170,713,000 | 170,899,000 | 170,183,000 |
| Interest-bearing deposits | 147,061,000 | 146,439,000 | 146,534,000 | 145,815,000 |
| Noninterest-bearing deposits | 24,517,000 | 24,274,000 | 24,366,000 | 24,368,000 |
| Equity capital | 34,998,000 | 34,918,000 | 35,873,000 | 36,318,000 |
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 | 2,290,000 | 4,529,000 | 6,761,000 | 8,957,000 |
| Interest expense | 362,000 | 722,000 | 1,078,000 | 1,419,000 |
| Net interest income | 1,928,000 | 3,807,000 | 5,683,000 | 7,538,000 |
| Noninterest income | 227,000 | 463,000 | 731,000 | 982,000 |
| Noninterest expense | 1,232,000 | 2,460,000 | 3,725,000 | 4,953,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 923,000 | 1,810,000 | 2,689,000 | 3,606,000 |
| Income tax | 213,000 | 419,000 | 619,000 | 822,000 |
| Net income | 710,000 | 1,391,000 | 2,070,000 | 2,784,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,142,000 | 31,839,000 | 32,533,000 | 33,263,000 |
| Total capital | 32,713,000 | 33,406,000 | 34,121,000 | 34,832,000 |
| Risk-weighted assets | 125,102,000 | 124,966,000 | 126,653,000 | 125,198,000 |