Call reports 2015
FOUNDERS COMMUNITY BANK — 2015
What FOUNDERS COMMUNITY 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 | 175,430,000 | 185,765,000 | 185,970,000 | 192,168,000 |
| Total loans | 104,315,000 | 93,375,000 | 87,385,000 | 97,462,000 |
| Allowance for loan losses | 1,736,000 | 1,714,000 | 1,521,000 | 1,481,000 |
| Securities available for sale | 5,579,000 | 3,973,000 | 2,440,000 | 2,864,000 |
| Securities held to maturity | 3,000,000 | 4,861,000 | 6,000,000 | 3,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,169,000 | 169,168,000 | 169,056,000 | 165,934,000 |
| Interest-bearing deposits | 89,991,000 | 96,023,000 | 92,154,000 | 91,983,000 |
| Noninterest-bearing deposits | 69,178,000 | 73,145,000 | 76,902,000 | 73,951,000 |
| Equity capital | 16,110,000 | 16,418,000 | 16,736,000 | 17,127,000 |
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 | 1,714,000 | 3,476,000 | 5,159,000 | 6,788,000 |
| Interest expense | 66,000 | 132,000 | 201,000 | 267,000 |
| Net interest income | 1,648,000 | 3,344,000 | 4,958,000 | 6,521,000 |
| Noninterest income | 114,000 | 230,000 | 343,000 | 475,000 |
| Noninterest expense | 1,170,000 | 2,321,000 | 3,596,000 | 4,759,000 |
| Provision for loan losses | 0 | -22,000 | -216,000 | -256,000 |
| Pretax income | 592,000 | 1,275,000 | 1,921,000 | 2,493,000 |
| Income tax | 229,000 | 496,000 | 752,000 | 966,000 |
| Net income | 363,000 | 779,000 | 1,169,000 | 1,527,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,110,000 | 16,437,000 | 16,742,000 | 17,137,000 |
| Total capital | 17,569,000 | 17,788,000 | 18,038,000 | 18,587,000 |
| Risk-weighted assets | 116,442,000 | 107,680,000 | 103,434,000 | 115,986,000 |