Call reports 2015
RNB STATE BANK — 2015
What RNB 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 | 166,663,000 | 169,504,000 | 176,923,000 | 169,176,000 |
| Total loans | 73,060,000 | 71,164,000 | 71,485,000 | 76,551,000 |
| Allowance for loan losses | 1,184,000 | 1,195,000 | 1,202,000 | 1,529,000 |
| Securities available for sale | 35,223,000 | 39,771,000 | 43,568,000 | 43,691,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,079,000 | 150,720,000 | 156,853,000 | 149,630,000 |
| Interest-bearing deposits | 113,267,000 | 113,841,000 | 116,833,000 | 115,170,000 |
| Noninterest-bearing deposits | 34,812,000 | 36,878,000 | 40,019,000 | 34,460,000 |
| Equity capital | 15,022,000 | 14,977,000 | 15,372,000 | 14,869,000 |
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 | 1,254,000 | 2,563,000 | 3,937,000 | 5,399,000 |
| Interest expense | 67,000 | 135,000 | 205,000 | 276,000 |
| Net interest income | 1,187,000 | 2,428,000 | 3,732,000 | 5,123,000 |
| Noninterest income | 164,000 | 360,000 | 569,000 | 746,000 |
| Noninterest expense | 1,310,000 | 2,609,000 | 3,922,000 | 5,330,000 |
| Provision for loan losses | 0 | 0 | 0 | 322,000 |
| Pretax income | 38,000 | 175,000 | 350,000 | 185,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 38,000 | 175,000 | 350,000 | 185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,585,000 | 14,723,000 | 14,897,000 | 14,733,000 |
| Total capital | 15,645,000 | 15,750,000 | 15,958,000 | 15,853,000 |
| Risk-weighted assets | 84,670,000 | 81,956,000 | 84,705,000 | 89,200,000 |