Call reports 2015
STATE BANK OF SAUNEMIN — 2015
What STATE BANK OF SAUNEMIN 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 | 36,397,000 | 34,863,000 | 34,849,000 | 36,035,000 |
| Total loans | 20,423,000 | 20,848,000 | 21,314,000 | 22,200,000 |
| Allowance for loan losses | 239,000 | 242,000 | 237,000 | 239,000 |
| Securities available for sale | 12,140,000 | 11,390,000 | 10,165,000 | 9,609,000 |
| Securities held to maturity | 65,000 | 65,000 | 65,000 | 45,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,035,000 | 31,507,000 | 31,343,000 | 32,034,000 |
| Interest-bearing deposits | 26,676,000 | 25,724,000 | 25,819,000 | 25,136,000 |
| Noninterest-bearing deposits | 6,359,000 | 5,783,000 | 5,524,000 | 6,898,000 |
| Equity capital | 3,345,000 | 3,335,000 | 3,478,000 | 3,489,000 |
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 | 297,000 | 594,000 | 901,000 | 1,197,000 |
| Interest expense | 26,000 | 51,000 | 77,000 | 100,000 |
| Net interest income | 271,000 | 543,000 | 824,000 | 1,097,000 |
| Noninterest income | 18,000 | 33,000 | 45,000 | 49,000 |
| Noninterest expense | 180,000 | 329,000 | 494,000 | 680,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 106,000 | 245,000 | 378,000 | 466,000 |
| Income tax | 0 | 0 | 0 | 7,000 |
| Net income | 106,000 | 245,000 | 378,000 | 459,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,159,000 | 3,253,000 | 3,326,000 | 3,407,000 |
| Total capital | 3,398,000 | 3,495,000 | 3,563,000 | 3,646,000 |
| Risk-weighted assets | 23,414,000 | 23,430,000 | 23,752,000 | 25,128,000 |