Call reports 2015
NEW ERA BANK — 2015
What NEW ERA 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 | 326,918,000 | 324,017,000 | 322,148,000 | 328,691,000 |
| Total loans | 185,680,000 | 203,004,000 | 210,151,000 | 220,160,000 |
| Allowance for loan losses | 1,586,000 | 1,658,000 | 1,644,000 | 1,662,000 |
| Securities available for sale | 102,895,000 | 95,899,000 | 89,253,000 | 83,012,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 292,678,000 | 289,206,000 | 286,550,000 | 292,622,000 |
| Interest-bearing deposits | 278,685,000 | 270,065,000 | 270,969,000 | 271,802,000 |
| Noninterest-bearing deposits | 13,993,000 | 19,141,000 | 15,581,000 | 20,820,000 |
| Equity capital | 32,842,000 | 33,308,000 | 34,007,000 | 33,420,000 |
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 | 2,376,000 | 4,856,000 | 7,425,000 | 10,054,000 |
| Interest expense | 203,000 | 414,000 | 626,000 | 843,000 |
| Net interest income | 2,173,000 | 4,442,000 | 6,799,000 | 9,211,000 |
| Noninterest income | 709,000 | 1,432,000 | 2,183,000 | 2,943,000 |
| Noninterest expense | 1,642,000 | 3,317,000 | 4,974,000 | 6,721,000 |
| Provision for loan losses | 81,000 | 165,000 | 176,000 | 199,000 |
| Pretax income | 1,159,000 | 2,392,000 | 3,835,000 | 5,237,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,159,000 | 2,392,000 | 3,835,000 | 5,237,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,152,000 | 29,509,000 | 29,773,000 | 29,435,000 |
| Total capital | 30,738,000 | 31,167,000 | 31,417,000 | 31,097,000 |
| Risk-weighted assets | 164,783,000 | 185,334,000 | 200,553,000 | 205,300,000 |