Call reports 2014
STOUGHTON CO-OPERATIVE BANK — 2014
What STOUGHTON CO-OPERATIVE 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 | 95,122,000 | 96,326,000 | 97,625,000 | 101,770,000 |
| Total loans | 56,070,000 | 54,652,000 | 59,654,000 | 60,040,000 |
| Allowance for loan losses | 488,000 | 475,000 | 444,000 | 577,000 |
| Securities available for sale | 29,658,000 | 30,517,000 | 29,308,000 | 31,832,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,330,000 | 75,160,000 | 76,643,000 | 79,933,000 |
| Interest-bearing deposits | 71,007,000 | 72,574,000 | 74,256,000 | 76,996,000 |
| Noninterest-bearing deposits | 3,323,000 | 2,586,000 | 2,387,000 | 2,937,000 |
| Equity capital | 8,153,000 | 8,502,000 | 8,318,000 | 8,679,000 |
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 | 782,000 | 1,539,000 | 2,257,000 | 3,042,000 |
| Interest expense | 187,000 | 381,000 | 580,000 | 778,000 |
| Net interest income | 595,000 | 1,158,000 | 1,677,000 | 2,264,000 |
| Noninterest income | 81,000 | 164,000 | 240,000 | 321,000 |
| Noninterest expense | 610,000 | 1,219,000 | 1,833,000 | 2,491,000 |
| Provision for loan losses | 0 | 0 | 0 | 103,000 |
| Pretax income | 66,000 | 103,000 | 167,000 | 220,000 |
| Income tax | -2,000 | 6,000 | 14,000 | 19,000 |
| Net income | 68,000 | 97,000 | 153,000 | 201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,663,000 | 8,692,000 | 8,748,000 | 8,795,000 |
| Total capital | 9,151,000 | 9,167,000 | 9,192,000 | 9,372,000 |
| Risk-weighted assets | 48,659,000 | 48,883,000 | 52,872,000 | 54,055,000 |