Call reports 2015
STATE BANK OF SCHALLER — 2015
What STATE BANK OF SCHALLER 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 | 37,767,000 | 38,250,000 | 35,610,000 | 36,506,000 |
| Total loans | 6,770,000 | 6,732,000 | 6,988,000 | 8,409,000 |
| Allowance for loan losses | 467,000 | 467,000 | 467,000 | 459,000 |
| Securities available for sale | 9,711,000 | 10,546,000 | 10,757,000 | 10,533,000 |
| Securities held to maturity | 12,891,000 | 11,989,000 | 11,834,000 | 11,123,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,062,000 | 34,551,000 | 31,792,000 | 32,639,000 |
| Interest-bearing deposits | 30,988,000 | 31,493,000 | 28,886,000 | 29,054,000 |
| Noninterest-bearing deposits | 3,074,000 | 3,058,000 | 2,906,000 | 3,585,000 |
| Equity capital | 3,644,000 | 3,644,000 | 3,765,000 | 3,813,000 |
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 | 241,000 | 485,000 | 723,000 | 1,046,000 |
| Interest expense | 48,000 | 89,000 | 129,000 | 166,000 |
| Net interest income | 193,000 | 396,000 | 594,000 | 880,000 |
| Noninterest income | 79,000 | 160,000 | 241,000 | 454,000 |
| Noninterest expense | 146,000 | 363,000 | 521,000 | 729,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 126,000 | 193,000 | 314,000 | 605,000 |
| Income tax | 7,000 | 0 | 7,000 | 48,000 |
| Net income | 119,000 | 193,000 | 307,000 | 557,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,619,000 | 3,686,000 | 3,807,000 | 3,813,000 |
| Total capital | 3,801,000 | 3,851,000 | 3,970,000 | 4,007,000 |
| Risk-weighted assets | 14,284,000 | 12,905,000 | 12,867,000 | 15,231,000 |