Call reports 2014
SCALE BANK — 2014
What SCALE 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 | 403,590,000 | 460,189,000 | 431,906,000 | 450,986,000 |
| Total loans | 242,975,000 | 334,383,000 | 305,031,000 | 318,656,000 |
| Allowance for loan losses | 4,260,000 | 3,251,000 | 3,252,000 | 3,193,000 |
| Securities available for sale | 73,846,000 | 78,899,000 | 71,530,000 | 63,146,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 327,204,000 | 315,430,000 | 351,001,000 | 371,203,000 |
| Interest-bearing deposits | 218,582,000 | 197,750,000 | 218,713,000 | 240,273,000 |
| Noninterest-bearing deposits | 108,622,000 | 117,680,000 | 132,288,000 | 130,930,000 |
| Equity capital | 75,041,000 | 76,999,000 | 78,793,000 | 77,327,000 |
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 | 2,788,000 | 6,115,000 | 10,074,000 | 13,633,000 |
| Interest expense | 136,000 | 280,000 | 433,000 | 602,000 |
| Net interest income | 2,652,000 | 5,835,000 | 9,641,000 | 13,031,000 |
| Noninterest income | 375,000 | 739,000 | 1,102,000 | 1,451,000 |
| Noninterest expense | 1,952,000 | 3,950,000 | 6,209,000 | 8,411,000 |
| Provision for loan losses | 0 | -1,000,000 | -1,000,000 | -1,000,000 |
| Pretax income | 1,106,000 | 3,725,000 | 5,635,000 | 7,219,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,106,000 | 3,725,000 | 5,635,000 | 7,219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,375,000 | 49,515,000 | 51,554,000 | 50,150,000 |
| Total capital | 51,230,000 | 52,766,000 | 54,806,000 | 53,343,000 |
| Risk-weighted assets | 227,023,000 | 301,575,000 | 279,399,000 | 285,847,000 |