Call reports 2014
BANESCO USA — 2014
What BANESCO USA 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 | 810,555,000 | 864,076,000 | 885,172,000 | 920,350,000 |
| Total loans | 542,337,000 | 590,951,000 | 589,458,000 | 650,828,000 |
| Allowance for loan losses | 6,936,000 | 7,580,000 | 7,578,000 | 7,244,000 |
| Securities available for sale | 209,332,000 | 200,784,000 | 221,612,000 | 225,840,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 687,268,000 | 729,246,000 | 750,425,000 | 739,507,000 |
| Interest-bearing deposits | 451,145,000 | 458,074,000 | 442,213,000 | 443,170,000 |
| Noninterest-bearing deposits | 236,123,000 | 271,172,000 | 308,212,000 | 296,337,000 |
| Equity capital | 80,118,000 | 82,432,000 | 82,766,000 | 85,781,000 |
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 | 9,366,000 | 19,129,000 | 28,415,000 | 37,546,000 |
| Interest expense | 824,000 | 1,681,000 | 2,526,000 | 3,386,000 |
| Net interest income | 8,542,000 | 17,448,000 | 25,889,000 | 34,160,000 |
| Noninterest income | 1,402,000 | 2,753,000 | 4,658,000 | 6,441,000 |
| Noninterest expense | 9,680,000 | 19,242,000 | 28,953,000 | 37,362,000 |
| Provision for loan losses | -18,000 | 640,000 | 886,000 | 85,000 |
| Pretax income | 376,000 | 442,000 | 841,000 | 3,300,000 |
| Income tax | 143,000 | 206,000 | 399,000 | 1,122,000 |
| Net income | 233,000 | 236,000 | 442,000 | 2,178,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,430,000 | 84,474,000 | 84,780,000 | 87,303,000 |
| Total capital | 86,445,000 | 92,314,000 | 92,561,000 | 94,886,000 |
| Risk-weighted assets | 564,768,000 | 626,779,000 | 622,081,000 | 666,677,000 |
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