Call reports 2015
SIMPLYBANK. — 2015
What SIMPLYBANK. 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 | 261,896,000 | 271,551,000 | 280,050,000 | 287,223,000 |
| Total loans | 214,942,000 | 221,340,000 | 232,282,000 | 239,290,000 |
| Allowance for loan losses | 2,930,000 | 2,981,000 | 3,002,000 | 2,906,000 |
| Securities available for sale | 20,084,000 | 19,257,000 | 18,623,000 | 18,504,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,126,000 | 220,841,000 | 223,531,000 | 230,897,000 |
| Interest-bearing deposits | 173,553,000 | 173,479,000 | 175,456,000 | 181,990,000 |
| Noninterest-bearing deposits | 45,573,000 | 47,362,000 | 48,075,000 | 48,907,000 |
| Equity capital | 29,152,000 | 29,159,000 | 29,683,000 | 30,014,000 |
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 | 3,310,000 | 6,554,000 | 9,911,000 | 13,295,000 |
| Interest expense | 221,000 | 441,000 | 670,000 | 950,000 |
| Net interest income | 3,089,000 | 6,113,000 | 9,241,000 | 12,345,000 |
| Noninterest income | 465,000 | 1,011,000 | 1,529,000 | 2,010,000 |
| Noninterest expense | 2,150,000 | 4,267,000 | 6,474,000 | 8,779,000 |
| Provision for loan losses | 75,000 | 300,000 | 525,000 | 625,000 |
| Pretax income | 1,329,000 | 2,557,000 | 3,771,000 | 4,951,000 |
| Income tax | 104,000 | 203,000 | 298,000 | 393,000 |
| Net income | 1,225,000 | 2,354,000 | 3,473,000 | 4,558,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,684,000 | 28,861,000 | 29,246,000 | 29,605,000 |
| Total capital | 31,248,000 | 31,551,000 | 32,216,000 | 32,511,000 |
| Risk-weighted assets | 204,764,000 | 214,891,000 | 237,427,000 | 244,170,000 |