Call reports 2015
BUSINESS BANK, THE — 2015
What BUSINESS BANK, THE 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 | 254,622,000 | 249,298,000 | 255,067,000 | 268,812,000 |
| Total loans | 159,767,000 | 158,368,000 | 152,281,000 | 151,817,000 |
| Allowance for loan losses | 4,009,000 | 3,753,000 | 4,002,000 | 3,570,000 |
| Securities available for sale | 60,528,000 | 56,114,000 | 54,992,000 | 52,287,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,364,000 | 215,094,000 | 220,029,000 | 233,615,000 |
| Interest-bearing deposits | 190,064,000 | 187,846,000 | 187,888,000 | 203,834,000 |
| Noninterest-bearing deposits | 28,300,000 | 27,249,000 | 32,141,000 | 29,781,000 |
| Equity capital | 33,405,000 | 31,663,000 | 32,194,000 | 32,209,000 |
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 | 1,936,000 | 3,955,000 | 5,920,000 | 7,853,000 |
| Interest expense | 436,000 | 847,000 | 1,244,000 | 1,643,000 |
| Net interest income | 1,500,000 | 3,108,000 | 4,676,000 | 6,210,000 |
| Noninterest income | 11,000 | 22,000 | 29,000 | 62,000 |
| Noninterest expense | 1,017,000 | 2,025,000 | 3,027,000 | 4,058,000 |
| Provision for loan losses | 150,000 | 523,000 | 673,000 | 823,000 |
| Pretax income | 344,000 | 803,000 | 1,226,000 | 1,612,000 |
| Income tax | 116,000 | 282,000 | 439,000 | 581,000 |
| Net income | 228,000 | 521,000 | 787,000 | 1,031,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,167,000 | 31,941,000 | 32,207,000 | 32,560,000 |
| Total capital | 35,440,000 | 34,078,000 | 34,264,000 | 34,655,000 |
| Risk-weighted assets | 181,831,000 | 169,215,000 | 162,587,000 | 166,112,000 |