Call reports 2015
BENCHMARK COMMUNITY BANK — 2015
What BENCHMARK 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 | 492,813,000 | 502,410,000 | 508,026,000 | 538,726,000 |
| Total loans | 398,491,000 | 408,988,000 | 418,149,000 | 424,240,000 |
| Allowance for loan losses | 4,587,000 | 4,672,000 | 4,651,000 | 4,722,000 |
| Securities available for sale | 32,794,000 | 32,130,000 | 32,065,000 | 29,043,000 |
| Securities held to maturity | 2,998,000 | 2,000,000 | 2,000,000 | 2,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 431,591,000 | 441,423,000 | 444,996,000 | 475,826,000 |
| Interest-bearing deposits | 350,610,000 | 356,404,000 | 355,383,000 | 381,106,000 |
| Noninterest-bearing deposits | 80,981,000 | 85,018,000 | 89,613,000 | 94,720,000 |
| Equity capital | 57,363,000 | 57,790,000 | 59,531,000 | 60,012,000 |
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 | 5,658,000 | 11,437,000 | 17,419,000 | 23,472,000 |
| Interest expense | 618,000 | 1,202,000 | 1,787,000 | 2,362,000 |
| Net interest income | 5,040,000 | 10,235,000 | 15,632,000 | 21,110,000 |
| Noninterest income | 1,302,000 | 2,754,000 | 4,055,000 | 5,451,000 |
| Noninterest expense | 4,053,000 | 8,205,000 | 12,439,000 | 17,134,000 |
| Provision for loan losses | 83,000 | 231,000 | 353,000 | 448,000 |
| Pretax income | 2,206,000 | 4,555,000 | 6,897,000 | 9,162,000 |
| Income tax | 653,000 | 1,361,000 | 2,067,000 | 2,782,000 |
| Net income | 1,553,000 | 3,194,000 | 4,830,000 | 6,380,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,339,000 | 57,050,000 | 58,686,000 | 59,235,000 |
| Total capital | 60,478,000 | 61,445,000 | 63,143,000 | 63,742,000 |
| Risk-weighted assets | 342,586,000 | 351,390,000 | 356,396,000 | 360,220,000 |