Call reports 2014
CLEO STATE BANK — 2014
What CLEO 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 | 92,168,000 | 95,561,000 | 101,726,000 | 98,292,000 |
| Total loans | 32,727,000 | 28,591,000 | 27,356,000 | 30,898,000 |
| Allowance for loan losses | 355,000 | 391,000 | 293,000 | 297,000 |
| Securities available for sale | 54,109,000 | 57,081,000 | 61,327,000 | 63,371,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,594,000 | 80,884,000 | 86,188,000 | 82,111,000 |
| Interest-bearing deposits | 54,143,000 | 56,851,000 | 59,909,000 | 57,748,000 |
| Noninterest-bearing deposits | 23,451,000 | 24,033,000 | 26,279,000 | 24,363,000 |
| Equity capital | 14,564,000 | 14,667,000 | 15,528,000 | 16,171,000 |
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 | 955,000 | 1,845,000 | 2,738,000 | 3,669,000 |
| Interest expense | 41,000 | 82,000 | 125,000 | 165,000 |
| Net interest income | 914,000 | 1,763,000 | 2,613,000 | 3,504,000 |
| Noninterest income | 117,000 | 220,000 | 354,000 | 479,000 |
| Noninterest expense | 422,000 | 834,000 | 1,219,000 | 1,742,000 |
| Provision for loan losses | 0 | 600,000 | 500,000 | 500,000 |
| Pretax income | 609,000 | 552,000 | 1,251,000 | 1,768,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 609,000 | 552,000 | 1,251,000 | 1,768,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,425,000 | 14,830,000 | 15,528,000 | 15,482,000 |
| Total capital | 15,780,000 | 15,221,000 | 15,821,000 | 15,779,000 |
| Risk-weighted assets | 61,654,000 | 58,494,000 | 59,327,000 | 61,282,000 |