Call reports 2014
PENDER STATE BANK — 2014
What PENDER 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 | 160,127,000 | 158,859,000 | 160,410,000 | 168,070,000 |
| Total loans | 123,929,000 | 123,814,000 | 120,271,000 | 124,766,000 |
| Allowance for loan losses | 1,286,000 | 1,286,000 | 1,287,000 | 1,280,000 |
| Securities available for sale | 10,675,000 | 11,587,000 | 15,263,000 | 20,638,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,146,000 | 135,046,000 | 136,249,000 | 138,319,000 |
| Interest-bearing deposits | 120,537,000 | 120,628,000 | 121,970,000 | 119,327,000 |
| Noninterest-bearing deposits | 15,609,000 | 14,418,000 | 14,279,000 | 18,992,000 |
| Equity capital | 20,725,000 | 20,833,000 | 20,974,000 | 21,002,000 |
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 | 1,549,000 | 3,100,000 | 4,695,000 | 6,257,000 |
| Interest expense | 289,000 | 590,000 | 877,000 | 1,158,000 |
| Net interest income | 1,260,000 | 2,510,000 | 3,818,000 | 5,099,000 |
| Noninterest income | 40,000 | 86,000 | 134,000 | 180,000 |
| Noninterest expense | 608,000 | 1,240,000 | 1,850,000 | 2,441,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 692,000 | 1,356,000 | 2,102,000 | 2,838,000 |
| Income tax | 10,000 | 22,000 | 37,000 | 61,000 |
| Net income | 682,000 | 1,334,000 | 2,065,000 | 2,777,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,410,000 | 14,525,000 | 14,675,000 | 14,664,000 |
| Total capital | 15,696,000 | 15,811,000 | 15,962,000 | 15,944,000 |
| Risk-weighted assets | 132,647,000 | 130,352,000 | 127,076,000 | 131,073,000 |
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