Call reports 2014
CHEVIOT SAVINGS BANK — 2014
What CHEVIOT 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 | 583,427,000 | 580,985,000 | 573,697,000 | 571,126,000 |
| Total loans | 332,721,000 | 328,981,000 | 336,212,000 | 338,198,000 |
| Allowance for loan losses | 1,729,000 | 1,993,000 | 2,218,000 | 2,236,000 |
| Securities available for sale | 148,758,000 | 152,558,000 | 162,191,000 | 136,400,000 |
| Securities held to maturity | 2,996,000 | 2,880,000 | 2,769,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 477,424,000 | 473,231,000 | 465,311,000 | 463,931,000 |
| Interest-bearing deposits | 450,822,000 | 446,538,000 | 439,115,000 | 435,464,000 |
| Noninterest-bearing deposits | 26,602,000 | 26,693,000 | 26,196,000 | 28,467,000 |
| Equity capital | 83,297,000 | 86,490,000 | 87,593,000 | 87,025,000 |
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 | 4,646,000 | 9,273,000 | 13,888,000 | 18,485,000 |
| Interest expense | 921,000 | 1,826,000 | 2,697,000 | 3,524,000 |
| Net interest income | 3,725,000 | 7,447,000 | 11,191,000 | 14,961,000 |
| Noninterest income | 392,000 | 730,000 | 1,472,000 | 2,152,000 |
| Noninterest expense | 3,147,000 | 6,366,000 | 9,348,000 | 12,359,000 |
| Provision for loan losses | 200,000 | 555,000 | 810,000 | 1,024,000 |
| Pretax income | 770,000 | 1,256,000 | 2,505,000 | 3,985,000 |
| Income tax | 213,000 | 340,000 | 727,000 | 1,200,000 |
| Net income | 557,000 | 916,000 | 1,778,000 | 2,785,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,819,000 | 78,252,000 | 79,187,000 | 77,752,000 |
| Total capital | 79,548,000 | 80,245,000 | 81,405,000 | 79,988,000 |
| Risk-weighted assets | 309,567,000 | 302,862,000 | 318,300,000 | 316,980,000 |