Call reports 2015
FIRST CREDIT BANK — 2015
What FIRST CREDIT 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 | 386,644,000 | 393,636,000 | 403,137,000 | 404,012,000 |
| Total loans | 270,213,000 | 315,356,000 | 312,877,000 | 317,933,000 |
| Allowance for loan losses | 12,330,000 | 11,800,000 | 11,800,000 | 11,800,000 |
| Securities available for sale | 36,245,000 | 34,270,000 | 34,320,000 | 34,101,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,086,000 | 218,072,000 | 223,346,000 | 224,487,000 |
| Interest-bearing deposits | 190,592,000 | 192,594,000 | 196,767,000 | 192,924,000 |
| Noninterest-bearing deposits | 20,494,000 | 25,478,000 | 26,579,000 | 31,563,000 |
| Equity capital | 171,711,000 | 170,389,000 | 173,392,000 | 175,840,000 |
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 | 6,739,000 | 13,509,000 | 20,542,000 | 27,809,000 |
| Interest expense | 403,000 | 813,000 | 1,228,000 | 1,634,000 |
| Net interest income | 6,336,000 | 12,696,000 | 19,314,000 | 26,175,000 |
| Noninterest income | 81,000 | 232,000 | 313,000 | 424,000 |
| Noninterest expense | 379,000 | 1,168,000 | 1,352,000 | 2,435,000 |
| Provision for loan losses | 0 | -530,000 | -530,000 | -530,000 |
| Pretax income | 6,038,000 | 12,313,000 | 18,828,000 | 24,717,000 |
| Income tax | 210,000 | 675,000 | 1,040,000 | 1,010,000 |
| Net income | 5,828,000 | 11,638,000 | 17,788,000 | 23,707,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 167,581,000 | 167,203,000 | 170,189,000 | 172,880,000 |
| Total capital | 172,013,000 | 172,145,000 | 175,101,000 | 177,804,000 |
| Risk-weighted assets | 323,373,000 | 373,195,000 | 369,526,000 | 375,828,000 |
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