Call reports 2014
21ST CENTURY BANK — 2014
What 21ST CENTURY 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 | 367,069,000 | 363,726,000 | 356,162,000 | 353,108,000 |
| Total loans | 256,298,000 | 255,736,000 | 262,572,000 | 265,023,000 |
| Allowance for loan losses | 1,618,000 | 1,619,000 | 1,638,000 | 1,651,000 |
| Securities available for sale | 55,405,000 | 54,973,000 | 53,851,000 | 52,954,000 |
| Securities held to maturity | 1,539,000 | 1,533,000 | 1,527,000 | 1,521,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 321,864,000 | 316,776,000 | 308,829,000 | 306,298,000 |
| Interest-bearing deposits | 307,708,000 | 301,749,000 | 294,660,000 | 290,076,000 |
| Noninterest-bearing deposits | 14,156,000 | 15,027,000 | 14,169,000 | 16,222,000 |
| Equity capital | 43,587,000 | 44,857,000 | 44,672,000 | 45,561,000 |
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 | 3,273,000 | 6,602,000 | 9,917,000 | 13,249,000 |
| Interest expense | 336,000 | 690,000 | 1,042,000 | 1,391,000 |
| Net interest income | 2,937,000 | 5,912,000 | 8,875,000 | 11,858,000 |
| Noninterest income | 1,032,000 | 1,360,000 | 1,662,000 | 1,614,000 |
| Noninterest expense | 2,025,000 | 3,850,000 | 5,699,000 | 7,539,000 |
| Provision for loan losses | 1,176,000 | 1,198,000 | 1,214,000 | 1,489,000 |
| Pretax income | 768,000 | 2,224,000 | 3,624,000 | 4,445,000 |
| Income tax | 331,000 | 909,000 | 1,465,000 | 1,786,000 |
| Net income | 437,000 | 1,315,000 | 2,159,000 | 2,659,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,334,000 | 46,212,000 | 45,856,000 | 46,356,000 |
| Total capital | 46,952,000 | 47,832,000 | 47,494,000 | 48,007,000 |
| Risk-weighted assets | 244,821,000 | 243,264,000 | 247,761,000 | 248,881,000 |