Call reports 2014
FIRST STATE BANK OF BEECHER CITY — 2014
What FIRST STATE BANK OF BEECHER CITY 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 | 71,390,000 | 70,433,000 | 68,587,000 | 70,654,000 |
| Total loans | 48,470,000 | 53,570,000 | 54,492,000 | 53,210,000 |
| Allowance for loan losses | 945,000 | 944,000 | 958,000 | 957,000 |
| Securities available for sale | 9,035,000 | 9,058,000 | 8,743,000 | 9,246,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,986,000 | 60,721,000 | 58,585,000 | 60,335,000 |
| Interest-bearing deposits | 53,108,000 | 52,832,000 | 51,175,000 | 52,268,000 |
| Noninterest-bearing deposits | 8,878,000 | 7,889,000 | 7,410,000 | 8,067,000 |
| Equity capital | 9,308,000 | 9,599,000 | 9,928,000 | 10,135,000 |
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 | 804,000 | 1,602,000 | 2,448,000 | 3,294,000 |
| Interest expense | 87,000 | 175,000 | 264,000 | 352,000 |
| Net interest income | 717,000 | 1,427,000 | 2,184,000 | 2,942,000 |
| Noninterest income | 87,000 | 175,000 | 261,000 | 342,000 |
| Noninterest expense | 401,000 | 808,000 | 1,206,000 | 1,715,000 |
| Provision for loan losses | 0 | 0 | 0 | 125,000 |
| Pretax income | 403,000 | 794,000 | 1,239,000 | 1,444,000 |
| Income tax | 20,000 | 20,000 | 20,000 | 20,000 |
| Net income | 383,000 | 774,000 | 1,219,000 | 1,424,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,290,000 | 9,569,000 | 9,903,000 | 10,108,000 |
| Total capital | 9,873,000 | 10,218,000 | 10,560,000 | 10,752,000 |
| Risk-weighted assets | 46,281,000 | 51,652,000 | 52,305,000 | 51,265,000 |