Call reports 2014
CRESSON COMMUNITY BANK — 2014
What CRESSON 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 | 61,070,000 | 59,494,000 | 61,115,000 | 59,768,000 |
| Total loans | 21,719,000 | 21,538,000 | 21,302,000 | 21,125,000 |
| Allowance for loan losses | 144,000 | 137,000 | 110,000 | 117,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 26,196,000 | 25,364,000 | 24,598,000 | 25,527,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,197,000 | 50,510,000 | 52,734,000 | 51,400,000 |
| Interest-bearing deposits | 52,069,000 | 50,419,000 | 52,703,000 | 51,294,000 |
| Noninterest-bearing deposits | 128,000 | 91,000 | 31,000 | 106,000 |
| Equity capital | 7,031,000 | 7,089,000 | 7,117,000 | 7,181,000 |
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 | 465,000 | 922,000 | 1,365,000 | 1,810,000 |
| Interest expense | 135,000 | 264,000 | 396,000 | 516,000 |
| Net interest income | 330,000 | 658,000 | 969,000 | 1,294,000 |
| Noninterest income | 23,000 | 45,000 | 70,000 | 97,000 |
| Noninterest expense | 272,000 | 547,000 | 839,000 | 1,150,000 |
| Provision for loan losses | 0 | 5,000 | 15,000 | 22,000 |
| Pretax income | 81,000 | 151,000 | 185,000 | 219,000 |
| Income tax | 12,000 | 24,000 | 30,000 | 0 |
| Net income | 69,000 | 127,000 | 155,000 | 219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,031,000 | 7,089,000 | 7,117,000 | 7,181,000 |
| Total capital | 7,175,000 | 7,226,000 | 7,227,000 | 7,298,000 |
| Risk-weighted assets | 23,246,000 | 22,840,000 | 23,155,000 | 22,863,000 |