Call reports 2014
JEWETT CITY SAVINGS BANK — 2014
What JEWETT CITY SAVINGS 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 | 243,082,000 | 246,833,000 | 246,845,000 | 240,741,000 |
| Total loans | 153,372,000 | 151,995,000 | 148,771,000 | 149,238,000 |
| Allowance for loan losses | 1,657,000 | 1,666,000 | 1,605,000 | 1,573,000 |
| Securities available for sale | 49,462,000 | 46,889,000 | 51,270,000 | 50,679,000 |
| Securities held to maturity | 3,044,000 | 3,026,000 | 3,004,000 | 2,977,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,521,000 | 201,859,000 | 201,667,000 | 196,567,000 |
| Interest-bearing deposits | 170,655,000 | 170,116,000 | 167,412,000 | 168,629,000 |
| Noninterest-bearing deposits | 27,867,000 | 31,743,000 | 34,255,000 | 27,938,000 |
| Equity capital | 41,408,000 | 41,711,000 | 41,888,000 | 42,089,000 |
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 | 2,264,000 | 4,476,000 | 6,657,000 | 8,778,000 |
| Interest expense | 280,000 | 547,000 | 809,000 | 1,063,000 |
| Net interest income | 1,984,000 | 3,929,000 | 5,848,000 | 7,715,000 |
| Noninterest income | 459,000 | 939,000 | 1,396,000 | 1,847,000 |
| Noninterest expense | 2,055,000 | 4,334,000 | 6,386,000 | 8,453,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 371,000 | 734,000 | 1,100,000 | 1,356,000 |
| Income tax | 114,000 | 150,000 | 255,000 | 292,000 |
| Net income | 257,000 | 584,000 | 845,000 | 1,064,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,793,000 | 39,119,000 | 39,381,000 | 39,600,000 |
| Total capital | 40,943,000 | 41,257,000 | 41,393,000 | 41,584,000 |
| Risk-weighted assets | 132,995,000 | 135,127,000 | 135,427,000 | 136,502,000 |