Call reports 2015
STROUD NATIONAL BANK — 2015
What STROUD NATIONAL 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 | 85,596,000 | 84,180,000 | 83,260,000 | 82,094,000 |
| Total loans | 49,971,000 | 50,538,000 | 51,177,000 | 49,946,000 |
| Allowance for loan losses | 812,000 | 779,000 | 762,000 | 743,000 |
| Securities available for sale | 23,723,000 | 22,647,000 | 20,314,000 | 19,669,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,397,000 | 66,702,000 | 66,267,000 | 65,483,000 |
| Interest-bearing deposits | 51,176,000 | 50,269,000 | 50,436,000 | 49,417,000 |
| Noninterest-bearing deposits | 17,221,000 | 16,433,000 | 15,831,000 | 16,066,000 |
| Equity capital | 9,103,000 | 8,837,000 | 9,093,000 | 9,085,000 |
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 | 961,000 | 1,946,000 | 2,872,000 | 3,832,000 |
| Interest expense | 131,000 | 263,000 | 393,000 | 522,000 |
| Net interest income | 830,000 | 1,683,000 | 2,479,000 | 3,310,000 |
| Noninterest income | 185,000 | 377,000 | 572,000 | 812,000 |
| Noninterest expense | 837,000 | 1,732,000 | 2,577,000 | 3,489,000 |
| Provision for loan losses | 45,000 | 55,000 | 55,000 | 76,000 |
| Pretax income | 135,000 | 279,000 | 425,000 | 563,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 135,000 | 279,000 | 425,000 | 563,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,758,000 | 8,812,000 | 8,868,000 | 8,916,000 |
| Total capital | 9,426,000 | 9,416,000 | 9,549,000 | 9,593,000 |
| Risk-weighted assets | 52,655,000 | 48,107,000 | 54,357,000 | 54,089,000 |