Call reports 2014
BANK OF THE LOWCOUNTRY — 2014
What BANK OF THE LOWCOUNTRY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 159,272,000 | 158,619,000 | 161,508,000 | 165,511,000 |
| Total loans | 86,007,000 | 84,504,000 | 83,914,000 | 83,757,000 |
| Allowance for loan losses | 2,035,000 | 1,865,000 | 1,681,000 | 1,748,000 |
| Securities available for sale | 23,785,000 | 23,344,000 | 26,198,000 | 33,711,000 |
| Securities held to maturity | 200,000 | 200,000 | 200,000 | 200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,525,000 | 139,525,000 | 142,178,000 | 145,888,000 |
| Interest-bearing deposits | 122,026,000 | 122,914,000 | 124,129,000 | 127,117,000 |
| Noninterest-bearing deposits | 18,499,000 | 16,611,000 | 18,049,000 | 18,771,000 |
| Equity capital | 18,458,000 | 18,826,000 | 18,987,000 | 19,233,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,338,000 | 2,683,000 | 4,026,000 | 5,379,000 |
| Interest expense | 152,000 | 306,000 | 464,000 | 625,000 |
| Net interest income | 1,186,000 | 2,377,000 | 3,562,000 | 4,754,000 |
| Noninterest income | 171,000 | 349,000 | 551,000 | 727,000 |
| Noninterest expense | 1,033,000 | 2,176,000 | 3,343,000 | 4,408,000 |
| Provision for loan losses | 60,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 264,000 | 490,000 | 710,000 | 1,013,000 |
| Income tax | 63,000 | 122,000 | 167,000 | 244,000 |
| Net income | 201,000 | 368,000 | 543,000 | 769,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,695,000 | 18,861,000 | 19,037,000 | 19,262,000 |
| Total capital | 19,843,000 | 20,026,000 | 20,198,000 | 20,435,000 |
| Risk-weighted assets | 90,956,000 | 92,556,000 | 92,389,000 | 93,228,000 |
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