Call reports 2015
R BANK — 2015
What R 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 | 306,332,000 | 307,691,000 | 326,567,000 | 370,444,000 |
| Total loans | 214,946,000 | 215,192,000 | 225,046,000 | 247,126,000 |
| Allowance for loan losses | 2,641,000 | 2,534,000 | 2,534,000 | 2,855,000 |
| Securities available for sale | 52,658,000 | 51,728,000 | 58,406,000 | 81,022,000 |
| Securities held to maturity | 2,719,000 | 2,710,000 | 2,700,000 | 3,321,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 272,658,000 | 274,455,000 | 292,446,000 | 328,831,000 |
| Interest-bearing deposits | 233,882,000 | 233,372,000 | 236,935,000 | 266,691,000 |
| Noninterest-bearing deposits | 38,776,000 | 41,083,000 | 55,511,000 | 62,140,000 |
| Equity capital | 32,917,000 | 32,666,000 | 33,402,000 | 41,137,000 |
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 | 3,022,000 | 6,178,000 | 9,482,000 | 13,138,000 |
| Interest expense | 525,000 | 1,067,000 | 1,594,000 | 2,154,000 |
| Net interest income | 2,497,000 | 5,111,000 | 7,888,000 | 10,984,000 |
| Noninterest income | 204,000 | 496,000 | 775,000 | 1,122,000 |
| Noninterest expense | 2,159,000 | 4,510,000 | 6,927,000 | 9,992,000 |
| Provision for loan losses | 30,000 | 55,000 | 55,000 | 395,000 |
| Pretax income | 512,000 | 1,054,000 | 1,693,000 | 1,731,000 |
| Income tax | 107,000 | 221,000 | 361,000 | 286,000 |
| Net income | 405,000 | 833,000 | 1,332,000 | 1,445,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,356,000 | 30,508,000 | 31,017,000 | 35,481,000 |
| Total capital | 32,997,000 | 33,042,000 | 33,551,000 | 38,336,000 |
| Risk-weighted assets | 256,419,000 | 247,041,000 | 263,011,000 | 287,310,000 |