Call reports 2014
SMACKOVER STATE BANK — 2014
What SMACKOVER 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 | 191,553,000 | 188,433,000 | 192,983,000 | 193,144,000 |
| Total loans | 70,545,000 | 69,532,000 | 68,269,000 | 66,425,000 |
| Allowance for loan losses | 849,000 | 883,000 | 919,000 | 961,000 |
| Securities available for sale | 59,423,000 | 61,200,000 | 59,781,000 | 56,896,000 |
| Securities held to maturity | 43,138,000 | 43,741,000 | 43,988,000 | 43,155,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,373,000 | 166,587,000 | 170,679,000 | 171,053,000 |
| Interest-bearing deposits | 137,473,000 | 132,519,000 | 135,907,000 | 112,680,000 |
| Noninterest-bearing deposits | 32,900,000 | 34,068,000 | 34,772,000 | 58,373,000 |
| Equity capital | 20,854,000 | 21,507,000 | 21,897,000 | 21,796,000 |
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 | 1,616,000 | 3,228,000 | 4,865,000 | 6,490,000 |
| Interest expense | 257,000 | 515,000 | 773,000 | 1,033,000 |
| Net interest income | 1,359,000 | 2,713,000 | 4,092,000 | 5,457,000 |
| Noninterest income | 167,000 | 266,000 | 414,000 | 545,000 |
| Noninterest expense | 1,159,000 | 1,725,000 | 2,559,000 | 3,394,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 318,000 | 1,164,000 | 1,812,000 | 2,428,000 |
| Income tax | -129,000 | 222,000 | 356,000 | 460,000 |
| Net income | 447,000 | 942,000 | 1,456,000 | 1,968,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,867,000 | 21,211,000 | 21,576,000 | 21,288,000 |
| Total capital | 21,716,000 | 22,094,000 | 22,495,000 | 22,249,000 |
| Risk-weighted assets | 92,498,000 | 91,344,000 | 91,800,000 | 90,242,000 |
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