Call reports 2015
FIRST SOUND BANK — 2015
What FIRST SOUND 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 | 100,597,000 | 139,361,000 | 132,311,000 | 125,602,000 |
| Total loans | 90,940,000 | 106,865,000 | 108,127,000 | 111,487,000 |
| Allowance for loan losses | 1,321,000 | 1,418,000 | 1,329,000 | 1,422,000 |
| Securities available for sale | 0 | 105,000 | 901,000 | 701,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,424,000 | 124,325,000 | 118,437,000 | 108,102,000 |
| Interest-bearing deposits | 59,993,000 | 88,203,000 | 83,832,000 | 72,024,000 |
| Noninterest-bearing deposits | 27,431,000 | 36,122,000 | 34,605,000 | 36,078,000 |
| Equity capital | 9,705,000 | 11,108,000 | 11,178,000 | 11,617,000 |
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 | 994,000 | 2,249,000 | 3,539,000 | 4,856,000 |
| Interest expense | 104,000 | 231,000 | 364,000 | 492,000 |
| Net interest income | 890,000 | 2,018,000 | 3,175,000 | 4,364,000 |
| Noninterest income | 222,000 | 1,079,000 | 1,162,000 | 1,634,000 |
| Noninterest expense | 1,168,000 | 2,659,000 | 3,904,000 | 5,134,000 |
| Provision for loan losses | 0 | -100,000 | -165,000 | -165,000 |
| Pretax income | -56,000 | 538,000 | 598,000 | 1,029,000 |
| Income tax | 0 | 10,000 | 10,000 | 18,000 |
| Net income | -56,000 | 528,000 | 588,000 | 1,011,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,693,000 | 11,053,000 | 11,125,000 | 11,567,000 |
| Total capital | 10,843,000 | 12,391,000 | 12,474,000 | 12,970,000 |
| Risk-weighted assets | 90,395,000 | 106,937,000 | 108,723,000 | 112,210,000 |