Call reports 2014
SAVINGS BANK, THE — 2014
What SAVINGS BANK, 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 | 326,373,000 | 316,221,000 | 313,318,000 | 315,959,000 |
| Total loans | 188,330,000 | 182,689,000 | 179,562,000 | 181,735,000 |
| Allowance for loan losses | 2,108,000 | 2,133,000 | 1,938,000 | 1,939,000 |
| Securities available for sale | 104,904,000 | 111,162,000 | 109,516,000 | 114,230,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 281,023,000 | 270,356,000 | 267,641,000 | 271,320,000 |
| Interest-bearing deposits | 237,332,000 | 232,434,000 | 230,456,000 | 229,441,000 |
| Noninterest-bearing deposits | 43,691,000 | 37,922,000 | 37,185,000 | 41,879,000 |
| Equity capital | 35,012,000 | 35,653,000 | 35,973,000 | 35,365,000 |
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 | 2,991,000 | 5,946,000 | 8,827,000 | 11,712,000 |
| Interest expense | 340,000 | 680,000 | 1,026,000 | 1,385,000 |
| Net interest income | 2,651,000 | 5,266,000 | 7,801,000 | 10,327,000 |
| Noninterest income | 348,000 | 634,000 | 935,000 | 1,183,000 |
| Noninterest expense | 1,894,000 | 3,804,000 | 5,746,000 | 7,816,000 |
| Provision for loan losses | 198,000 | 358,000 | 458,000 | 568,000 |
| Pretax income | 907,000 | 1,738,000 | 2,532,000 | 3,123,000 |
| Income tax | 289,000 | 551,000 | 781,000 | 976,000 |
| Net income | 618,000 | 1,187,000 | 1,751,000 | 2,147,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,573,000 | 34,992,000 | 35,407,000 | 35,053,000 |
| Total capital | 36,681,000 | 37,078,000 | 37,345,000 | 36,992,000 |
| Risk-weighted assets | 173,064,000 | 166,814,000 | 164,948,000 | 167,036,000 |
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