Call reports 2014
BANKGLOUCESTER — 2014
What BANKGLOUCESTER 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 | 191,086,000 | 188,349,000 | 194,930,000 | 197,032,000 |
| Total loans | 156,956,000 | 156,511,000 | 160,281,000 | 165,210,000 |
| Allowance for loan losses | 1,921,000 | 1,839,000 | 1,869,000 | 1,890,000 |
| Securities available for sale | 20,867,000 | 21,093,000 | 21,339,000 | 21,162,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,973,000 | 154,958,000 | 158,376,000 | 159,184,000 |
| Interest-bearing deposits | 141,780,000 | 139,736,000 | 142,648,000 | 143,909,000 |
| Noninterest-bearing deposits | 16,193,000 | 15,222,000 | 15,728,000 | 15,275,000 |
| Equity capital | 16,918,000 | 17,147,000 | 17,285,000 | 17,531,000 |
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 | 1,982,000 | 3,955,000 | 5,973,000 | 8,002,000 |
| Interest expense | 349,000 | 695,000 | 1,040,000 | 1,361,000 |
| Net interest income | 1,633,000 | 3,260,000 | 4,933,000 | 6,641,000 |
| Noninterest income | 184,000 | 370,000 | 543,000 | 740,000 |
| Noninterest expense | 1,419,000 | 2,967,000 | 4,500,000 | 6,071,000 |
| Provision for loan losses | 44,000 | 65,000 | 98,000 | 118,000 |
| Pretax income | 354,000 | 598,000 | 878,000 | 1,192,000 |
| Income tax | 131,000 | 217,000 | 319,000 | 435,000 |
| Net income | 223,000 | 381,000 | 559,000 | 757,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,635,000 | 16,798,000 | 16,983,000 | 17,187,000 |
| Total capital | 18,354,000 | 18,521,000 | 18,731,000 | 18,935,000 |
| Risk-weighted assets | 137,242,000 | 137,719,000 | 139,722,000 | 143,815,000 |