Call reports 2014
WEST LIBERTY STATE BANK — 2014
What WEST LIBERTY 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 | 82,723,000 | 83,209,000 | 82,266,000 | 90,210,000 |
| Total loans | 22,787,000 | 23,063,000 | 24,150,000 | 24,255,000 |
| Allowance for loan losses | 161,000 | 239,000 | 246,000 | 282,000 |
| Securities available for sale | 51,208,000 | 53,993,000 | 52,190,000 | 59,618,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,151,000 | 65,988,000 | 66,908,000 | 74,373,000 |
| Interest-bearing deposits | 58,840,000 | 56,843,000 | 58,178,000 | 63,681,000 |
| Noninterest-bearing deposits | 9,311,000 | 9,146,000 | 8,730,000 | 10,692,000 |
| Equity capital | 10,324,000 | 10,905,000 | 11,118,000 | 11,654,000 |
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 | 631,000 | 1,260,000 | 1,914,000 | 2,560,000 |
| Interest expense | 139,000 | 275,000 | 409,000 | 543,000 |
| Net interest income | 492,000 | 985,000 | 1,505,000 | 2,017,000 |
| Noninterest income | 55,000 | 95,000 | 155,000 | 218,000 |
| Noninterest expense | 434,000 | 871,000 | 1,303,000 | 1,653,000 |
| Provision for loan losses | 8,000 | 30,000 | 38,000 | 75,000 |
| Pretax income | 127,000 | 219,000 | 359,000 | 547,000 |
| Income tax | 7,000 | 11,000 | 18,000 | 28,000 |
| Net income | 120,000 | 208,000 | 341,000 | 519,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,522,000 | 8,691,000 | 8,882,000 | 9,110,000 |
| Total capital | 8,683,000 | 8,929,000 | 9,128,000 | 9,392,000 |
| Risk-weighted assets | 32,547,000 | 32,247,000 | 33,220,000 | 34,832,000 |
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