Call reports 2014
FIRST STATE BANK OF RANDOLPH COUNTY — 2014
What FIRST STATE BANK OF RANDOLPH COUNTY 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 | 72,222,000 | 71,576,000 | 70,785,000 | 72,177,000 |
| Total loans | 27,412,000 | 30,608,000 | 32,562,000 | 31,897,000 |
| Allowance for loan losses | 369,000 | 374,000 | 383,000 | 378,000 |
| Securities available for sale | 31,177,000 | 31,583,000 | 29,724,000 | 30,654,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,467,000 | 65,267,000 | 64,108,000 | 65,397,000 |
| Interest-bearing deposits | 48,463,000 | 48,556,000 | 49,775,000 | 47,774,000 |
| Noninterest-bearing deposits | 18,004,000 | 16,711,000 | 14,333,000 | 17,623,000 |
| Equity capital | 5,356,000 | 5,899,000 | 6,255,000 | 6,366,000 |
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 | 680,000 | 1,291,000 | 1,950,000 | 2,598,000 |
| Interest expense | 109,000 | 225,000 | 331,000 | 439,000 |
| Net interest income | 571,000 | 1,066,000 | 1,619,000 | 2,159,000 |
| Noninterest income | 72,000 | 207,000 | 275,000 | 344,000 |
| Noninterest expense | 569,000 | 1,111,000 | 1,602,000 | 2,128,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 66,000 | 152,000 | 308,000 | 414,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 66,000 | 152,000 | 308,000 | 414,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,755,000 | 6,841,000 | 6,996,000 | 6,852,000 |
| Total capital | 7,124,000 | 7,215,000 | 7,379,000 | 7,230,000 |
| Risk-weighted assets | 42,007,000 | 43,989,000 | 45,225,000 | 45,063,000 |
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