Call reports 2014
STATE BANK OF TOWNSEND, THE — 2014
What STATE BANK OF TOWNSEND, THE 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 | 55,204,000 | 57,135,000 | 53,585,000 | 54,251,000 |
| Total loans | 26,861,000 | 28,335,000 | 29,839,000 | 27,723,000 |
| Allowance for loan losses | 357,000 | 357,000 | 356,000 | 344,000 |
| Securities available for sale | 7,365,000 | 11,770,000 | 11,491,000 | 11,347,000 |
| Securities held to maturity | 5,000 | 5,000 | 4,000 | 4,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,377,000 | 51,152,000 | 47,510,000 | 48,395,000 |
| Interest-bearing deposits | 36,808,000 | 38,625,000 | 35,199,000 | 36,448,000 |
| Noninterest-bearing deposits | 12,569,000 | 12,527,000 | 12,311,000 | 11,947,000 |
| Equity capital | 5,423,000 | 5,582,000 | 5,649,000 | 5,475,000 |
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 | 552,000 | 1,120,000 | 1,736,000 | 2,333,000 |
| Interest expense | 58,000 | 115,000 | 170,000 | 220,000 |
| Net interest income | 494,000 | 1,005,000 | 1,566,000 | 2,113,000 |
| Noninterest income | 78,000 | 145,000 | 240,000 | 305,000 |
| Noninterest expense | 521,000 | 966,000 | 1,464,000 | 1,933,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 52,000 | 186,000 | 347,000 | 491,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 52,000 | 186,000 | 347,000 | 491,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,403,000 | 5,537,000 | 5,623,000 | 5,466,000 |
| Total capital | 5,711,000 | 5,889,000 | 5,970,000 | 5,794,000 |
| Risk-weighted assets | 26,448,000 | 30,044,000 | 30,370,000 | 27,874,000 |