Call reports 2014
GLASFORD STATE BANK — 2014
What GLASFORD STATE 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 | 34,789,000 | 34,670,000 | 36,350,000 | 34,700,000 |
| Total loans | 15,934,000 | 15,725,000 | 16,409,000 | 16,922,000 |
| Allowance for loan losses | 212,000 | 213,000 | 213,000 | 107,000 |
| Securities available for sale | 12,279,000 | 12,307,000 | 14,335,000 | 13,927,000 |
| Securities held to maturity | 451,000 | 426,000 | 426,000 | 425,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,943,000 | 31,758,000 | 33,407,000 | 31,373,000 |
| Interest-bearing deposits | 28,610,000 | 27,987,000 | 29,688,000 | 28,155,000 |
| Noninterest-bearing deposits | 3,333,000 | 3,770,000 | 3,719,000 | 3,218,000 |
| Equity capital | 2,820,000 | 2,884,000 | 2,905,000 | 2,763,000 |
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 | 221,000 | 441,000 | 677,000 | 931,000 |
| Interest expense | 17,000 | 33,000 | 49,000 | 66,000 |
| Net interest income | 204,000 | 408,000 | 628,000 | 865,000 |
| Noninterest income | 46,000 | 95,000 | 145,000 | 201,000 |
| Noninterest expense | 208,000 | 422,000 | 637,000 | 915,000 |
| Provision for loan losses | 9,000 | 12,000 | 12,000 | -90,000 |
| Pretax income | 33,000 | 69,000 | 124,000 | 265,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 2,000 |
| Net income | 32,000 | 68,000 | 123,000 | 263,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,827,000 | 2,864,000 | 2,919,000 | 2,784,000 |
| Total capital | 2,978,000 | 3,014,000 | 3,081,000 | 2,891,000 |
| Risk-weighted assets | 11,990,000 | 11,910,000 | 12,913,000 | 14,203,000 |