Call reports 2014
OUR COMMUNITY BANK — 2014
What OUR COMMUNITY 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 | 69,235,000 | 67,421,000 | 67,028,000 | 64,804,000 |
| Total loans | 51,035,000 | 49,565,000 | 48,530,000 | 46,781,000 |
| Allowance for loan losses | 518,000 | 484,000 | 474,000 | 472,000 |
| Securities available for sale | 6,846,000 | 6,739,000 | 6,605,000 | 6,665,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,927,000 | 48,873,000 | 48,485,000 | 47,247,000 |
| Interest-bearing deposits | 44,010,000 | 42,775,000 | 42,674,000 | 41,928,000 |
| Noninterest-bearing deposits | 5,917,000 | 6,098,000 | 5,811,000 | 5,319,000 |
| Equity capital | 8,111,000 | 8,251,000 | 8,258,000 | 8,327,000 |
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 | 905,000 | 1,788,000 | 2,649,000 | 3,491,000 |
| Interest expense | 147,000 | 292,000 | 436,000 | 575,000 |
| Net interest income | 758,000 | 1,496,000 | 2,213,000 | 2,916,000 |
| Noninterest income | 88,000 | 168,000 | 283,000 | 384,000 |
| Noninterest expense | 677,000 | 1,371,000 | 2,099,000 | 2,792,000 |
| Provision for loan losses | 34,000 | 66,000 | 126,000 | 186,000 |
| Pretax income | 128,000 | 253,000 | 297,000 | 348,000 |
| Income tax | 13,000 | 16,000 | 3,000 | -8,000 |
| Net income | 115,000 | 237,000 | 294,000 | 356,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,096,000 | 8,188,000 | 8,298,000 | 8,328,000 |
| Total capital | 8,571,000 | 8,636,000 | 8,742,000 | 8,751,000 |
| Risk-weighted assets | 37,956,000 | 35,957,000 | 35,481,000 | 34,155,000 |