Call reports 2015
TEMPO BANK — 2015
What TEMPO 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 | 95,489,000 | 98,048,000 | 97,183,000 | 96,690,000 |
| Total loans | 75,706,000 | 75,124,000 | 75,673,000 | 77,634,000 |
| Allowance for loan losses | 242,000 | 230,000 | 203,000 | 203,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,990,000 | 80,472,000 | 79,548,000 | 79,751,000 |
| Interest-bearing deposits | 67,531,000 | 70,403,000 | 69,842,000 | 69,429,000 |
| Noninterest-bearing deposits | 10,459,000 | 10,069,000 | 9,706,000 | 10,322,000 |
| Equity capital | 11,430,000 | 11,495,000 | 11,517,000 | 10,936,000 |
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 | 838,000 | 1,669,000 | 2,492,000 | 3,330,000 |
| Interest expense | 189,000 | 382,000 | 613,000 | 851,000 |
| Net interest income | 649,000 | 1,287,000 | 1,879,000 | 2,479,000 |
| Noninterest income | 30,000 | 61,000 | 91,000 | 122,000 |
| Noninterest expense | 616,000 | 1,214,000 | 1,826,000 | 2,444,000 |
| Provision for loan losses | 0 | -12,000 | -12,000 | -12,000 |
| Pretax income | 63,000 | 146,000 | 156,000 | 169,000 |
| Income tax | 33,000 | 66,000 | 67,000 | 76,000 |
| Net income | 30,000 | 80,000 | 89,000 | 93,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,430,000 | 11,495,000 | 11,517,000 | 10,936,000 |
| Total capital | 11,672,000 | 11,725,000 | 11,720,000 | 11,139,000 |
| Risk-weighted assets | 46,961,000 | 46,775,000 | 47,241,000 | 46,987,000 |