Call reports 2014
FIRST STATE BANK OF WEST SALEM — 2014
What FIRST STATE BANK OF WEST SALEM 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 | 19,048,000 | 19,298,000 | 18,910,000 | 18,388,000 |
| Total loans | 4,623,000 | 4,839,000 | 5,333,000 | 5,116,000 |
| Allowance for loan losses | 112,000 | 111,000 | 103,000 | 94,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,764,000 | 8,562,000 | 8,260,000 | 7,094,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,749,000 | 15,985,000 | 15,353,000 | 15,101,000 |
| Interest-bearing deposits | 11,417,000 | 11,753,000 | 11,531,000 | 10,939,000 |
| Noninterest-bearing deposits | 4,332,000 | 4,232,000 | 3,822,000 | 4,162,000 |
| Equity capital | 3,268,000 | 3,283,000 | 3,297,000 | 3,256,000 |
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 | 121,000 | 244,000 | 373,000 | 502,000 |
| Interest expense | 10,000 | 19,000 | 28,000 | 36,000 |
| Net interest income | 111,000 | 225,000 | 345,000 | 466,000 |
| Noninterest income | 17,000 | 33,000 | 50,000 | 70,000 |
| Noninterest expense | 120,000 | 232,000 | 353,000 | 483,000 |
| Provision for loan losses | 0 | 0 | 1,000 | 7,000 |
| Pretax income | 8,000 | 26,000 | 41,000 | 46,000 |
| Income tax | 0 | 3,000 | 4,000 | 2,000 |
| Net income | 8,000 | 23,000 | 37,000 | 44,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,268,000 | 3,283,000 | 3,297,000 | 3,256,000 |
| Total capital | 3,351,000 | 3,373,000 | 3,388,000 | 3,342,000 |
| Risk-weighted assets | 6,628,000 | 7,144,000 | 7,281,000 | 6,847,000 |
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