Call reports 2014
CARMINE STATE BANK — 2014
What CARMINE STATE 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 | 64,571,000 | 67,222,000 | 69,836,000 | 70,553,000 |
| Total loans | 16,371,000 | 16,533,000 | 17,082,000 | 17,948,000 |
| Allowance for loan losses | 172,000 | 173,000 | 172,000 | 172,000 |
| Securities available for sale | 12,854,000 | 12,777,000 | 12,396,000 | 12,106,000 |
| Securities held to maturity | 14,511,000 | 14,363,000 | 13,526,000 | 13,329,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,362,000 | 58,742,000 | 61,109,000 | 61,846,000 |
| Interest-bearing deposits | 46,358,000 | 46,938,000 | 48,626,000 | 49,957,000 |
| Noninterest-bearing deposits | 10,004,000 | 11,803,000 | 12,483,000 | 11,889,000 |
| Equity capital | 8,143,000 | 8,372,000 | 8,576,000 | 8,683,000 |
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 | 547,000 | 1,096,000 | 1,650,000 | 2,206,000 |
| Interest expense | 97,000 | 194,000 | 296,000 | 396,000 |
| Net interest income | 450,000 | 902,000 | 1,354,000 | 1,810,000 |
| Noninterest income | 52,000 | 98,000 | 148,000 | 195,000 |
| Noninterest expense | 316,000 | 665,000 | 1,010,000 | 1,399,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 186,000 | 335,000 | 491,000 | 607,000 |
| Income tax | -53,000 | -59,000 | -59,000 | -96,000 |
| Net income | 239,000 | 394,000 | 550,000 | 703,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,054,000 | 8,202,000 | 8,382,000 | 8,396,000 |
| Total capital | 8,226,000 | 8,375,000 | 8,554,000 | 8,568,000 |
| Risk-weighted assets | 24,986,000 | 25,594,000 | 26,212,000 | 26,932,000 |