Call reports 2014
SAVINGS BANK — 2014
What SAVINGS BANK 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 | 160,705,000 | 163,711,000 | 168,247,000 | 178,700,000 |
| Total loans | 117,439,000 | 119,488,000 | 123,740,000 | 134,707,000 |
| Allowance for loan losses | 1,440,000 | 1,473,000 | 1,501,000 | 1,531,000 |
| Securities available for sale | 6,424,000 | 6,570,000 | 7,051,000 | 7,156,000 |
| Securities held to maturity | 31,115,000 | 31,795,000 | 31,575,000 | 31,296,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,028,000 | 145,255,000 | 142,460,000 | 152,654,000 |
| Interest-bearing deposits | 130,883,000 | 132,720,000 | 131,038,000 | 136,446,000 |
| Noninterest-bearing deposits | 13,145,000 | 12,535,000 | 11,422,000 | 16,208,000 |
| Equity capital | 13,395,000 | 14,114,000 | 14,684,000 | 15,422,000 |
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 | 1,679,000 | 3,409,000 | 5,160,000 | 7,003,000 |
| Interest expense | 291,000 | 585,000 | 883,000 | 1,191,000 |
| Net interest income | 1,388,000 | 2,824,000 | 4,277,000 | 5,812,000 |
| Noninterest income | 50,000 | 119,000 | 188,000 | 254,000 |
| Noninterest expense | 613,000 | 1,227,000 | 1,860,000 | 2,521,000 |
| Provision for loan losses | 325,000 | 355,000 | 385,000 | 415,000 |
| Pretax income | 500,000 | 1,361,000 | 2,220,000 | 3,136,000 |
| Income tax | 32,000 | 73,000 | 115,000 | 155,000 |
| Net income | 468,000 | 1,288,000 | 2,105,000 | 2,981,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,879,000 | 14,454,000 | 15,027,000 | 15,659,000 |
| Total capital | 15,319,000 | 15,927,000 | 16,528,000 | 17,190,000 |
| Risk-weighted assets | 126,184,000 | 129,505,000 | 133,685,000 | 144,654,000 |
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