Call reports 2014
STURDY SAVINGS BANK — 2014
What STURDY 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 | 564,361,000 | 566,842,000 | 573,366,000 | 573,676,000 |
| Total loans | 361,347,000 | 363,750,000 | 360,690,000 | 361,979,000 |
| Allowance for loan losses | 2,524,000 | 2,546,000 | 2,127,000 | 2,269,000 |
| Securities available for sale | 114,108,000 | 112,480,000 | 104,837,000 | 120,338,000 |
| Securities held to maturity | 22,093,000 | 22,073,000 | 21,052,000 | 29,210,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 456,273,000 | 453,136,000 | 480,917,000 | 465,870,000 |
| Interest-bearing deposits | 405,460,000 | 385,812,000 | 406,110,000 | 409,568,000 |
| Noninterest-bearing deposits | 50,813,000 | 67,324,000 | 74,807,000 | 56,302,000 |
| Equity capital | 67,831,000 | 68,914,000 | 69,610,000 | 69,711,000 |
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 | 4,637,000 | 9,344,000 | 14,035,000 | 18,769,000 |
| Interest expense | 333,000 | 656,000 | 954,000 | 1,238,000 |
| Net interest income | 4,304,000 | 8,688,000 | 13,081,000 | 17,531,000 |
| Noninterest income | 585,000 | 1,216,000 | 1,777,000 | 2,127,000 |
| Noninterest expense | 4,487,000 | 9,058,000 | 13,958,000 | 18,591,000 |
| Provision for loan losses | 318,000 | 364,000 | -66,000 | 478,000 |
| Pretax income | 84,000 | 482,000 | 970,000 | 593,000 |
| Income tax | -33,000 | 3,000 | 60,000 | -105,000 |
| Net income | 117,000 | 479,000 | 910,000 | 698,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,161,000 | 63,445,000 | 63,882,000 | 63,416,000 |
| Total capital | 65,685,000 | 65,997,000 | 66,011,000 | 65,700,000 |
| Risk-weighted assets | 367,584,000 | 368,189,000 | 361,331,000 | 363,673,000 |