Call reports 2014
BANK OF CARBONDALE, THE — 2014
What BANK OF CARBONDALE, THE 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 | 223,181,000 | 218,844,000 | 235,272,000 | 216,219,000 |
| Total loans | 133,745,000 | 137,412,000 | 142,005,000 | 141,807,000 |
| Allowance for loan losses | 3,194,000 | 3,063,000 | 3,186,000 | 2,462,000 |
| Securities available for sale | 54,374,000 | 60,641,000 | 61,040,000 | 62,274,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,927,000 | 192,050,000 | 207,955,000 | 183,635,000 |
| Interest-bearing deposits | 163,389,000 | 164,506,000 | 182,427,000 | 159,758,000 |
| Noninterest-bearing deposits | 33,538,000 | 27,544,000 | 25,528,000 | 23,877,000 |
| Equity capital | 24,976,000 | 25,619,000 | 26,127,000 | 24,453,000 |
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 | 1,964,000 | 3,935,000 | 5,925,000 | 8,008,000 |
| Interest expense | 233,000 | 462,000 | 696,000 | 913,000 |
| Net interest income | 1,731,000 | 3,473,000 | 5,229,000 | 7,095,000 |
| Noninterest income | 254,000 | 401,000 | 754,000 | 721,000 |
| Noninterest expense | 1,100,000 | 2,179,000 | 3,460,000 | 4,618,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 180,000 |
| Pretax income | 828,000 | 1,578,000 | 2,346,000 | 3,029,000 |
| Income tax | 253,000 | 496,000 | 737,000 | 968,000 |
| Net income | 575,000 | 1,082,000 | 1,609,000 | 2,061,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,232,000 | 25,562,000 | 26,090,000 | 24,270,000 |
| Total capital | 27,056,000 | 27,394,000 | 28,015,000 | 26,140,000 |
| Risk-weighted assets | 144,515,000 | 147,599,000 | 155,049,000 | 151,280,000 |