Call reports 2015
BANK OF SAINT ELIZABETH — 2015
What BANK OF SAINT ELIZABETH 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 | 115,939,000 | 117,074,000 | 117,517,000 | 117,749,000 |
| Total loans | 88,137,000 | 86,364,000 | 88,035,000 | 89,664,000 |
| Allowance for loan losses | 755,000 | 762,000 | 780,000 | 776,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,882,000 | 101,517,000 | 101,835,000 | 102,767,000 |
| Interest-bearing deposits | 77,655,000 | 79,558,000 | 80,155,000 | 79,029,000 |
| Noninterest-bearing deposits | 22,227,000 | 21,959,000 | 21,680,000 | 23,738,000 |
| Equity capital | 13,384,000 | 13,366,000 | 13,505,000 | 13,827,000 |
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 | 1,285,000 | 2,598,000 | 3,905,000 | 5,237,000 |
| Interest expense | 130,000 | 261,000 | 381,000 | 505,000 |
| Net interest income | 1,155,000 | 2,337,000 | 3,524,000 | 4,732,000 |
| Noninterest income | 170,000 | 334,000 | 485,000 | 646,000 |
| Noninterest expense | 740,000 | 1,534,000 | 2,453,000 | 3,500,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 585,000 | 1,137,000 | 1,556,000 | 1,878,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 585,000 | 1,137,000 | 1,556,000 | 1,878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,603,000 | 10,595,000 | 10,745,000 | 11,077,000 |
| Total capital | 11,358,000 | 11,357,000 | 11,525,000 | 11,853,000 |
| Risk-weighted assets | 66,968,000 | 66,000,000 | 68,852,000 | 67,329,000 |