Call reports 2015
SANDHILLS BANK — 2015
What SANDHILLS 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 | 102,266,000 | 100,732,000 | 142,656,000 | 137,268,000 |
| Total loans | 61,946,000 | 64,716,000 | 72,876,000 | 78,657,000 |
| Allowance for loan losses | 861,000 | 889,000 | 889,000 | 890,000 |
| Securities available for sale | 18,249,000 | 19,444,000 | 36,312,000 | 35,971,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,046,000 | 83,683,000 | 122,187,000 | 114,278,000 |
| Interest-bearing deposits | 78,414,000 | 77,792,000 | 111,869,000 | 103,847,000 |
| Noninterest-bearing deposits | 6,632,000 | 5,891,000 | 10,318,000 | 10,431,000 |
| Equity capital | 11,371,000 | 11,129,000 | 17,221,000 | 17,119,000 |
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 | 917,000 | 1,856,000 | 2,886,000 | 4,052,000 |
| Interest expense | 134,000 | 264,000 | 410,000 | 554,000 |
| Net interest income | 783,000 | 1,592,000 | 2,476,000 | 3,498,000 |
| Noninterest income | 112,000 | 205,000 | 644,000 | 852,000 |
| Noninterest expense | 817,000 | 1,658,000 | 2,974,000 | 4,200,000 |
| Provision for loan losses | 50,000 | 75,000 | 75,000 | 75,000 |
| Pretax income | 152,000 | 223,000 | 230,000 | 234,000 |
| Income tax | 37,000 | 57,000 | 58,000 | 78,000 |
| Net income | 115,000 | 166,000 | 172,000 | 156,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,245,000 | 8,300,000 | 13,325,000 | 13,488,000 |
| Total capital | 9,004,000 | 9,091,000 | 14,214,000 | 14,378,000 |
| Risk-weighted assets | 58,910,000 | 61,477,000 | 78,369,000 | 83,308,000 |