Call reports 2014
SANGER BANK — 2014
What SANGER 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 | 115,271,000 | 122,894,000 | 119,513,000 | 125,562,000 |
| Total loans | 66,035,000 | 67,743,000 | 69,136,000 | 67,801,000 |
| Allowance for loan losses | 643,000 | 656,000 | 671,000 | 671,000 |
| Securities available for sale | 7,743,000 | 7,899,000 | 7,702,000 | 7,856,000 |
| Securities held to maturity | 22,445,000 | 25,680,000 | 27,452,000 | 27,182,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,161,000 | 107,377,000 | 103,538,000 | 109,768,000 |
| Interest-bearing deposits | 77,290,000 | 81,275,000 | 77,697,000 | 84,303,000 |
| Noninterest-bearing deposits | 22,871,000 | 26,102,000 | 25,841,000 | 25,465,000 |
| Equity capital | 14,818,000 | 15,276,000 | 15,676,000 | 15,697,000 |
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 | 1,273,000 | 2,577,000 | 3,895,000 | 5,199,000 |
| Interest expense | 127,000 | 256,000 | 387,000 | 514,000 |
| Net interest income | 1,146,000 | 2,321,000 | 3,508,000 | 4,685,000 |
| Noninterest income | 120,000 | 298,000 | 476,000 | 630,000 |
| Noninterest expense | 803,000 | 1,593,000 | 2,393,000 | 3,210,000 |
| Provision for loan losses | 10,000 | 22,000 | 37,000 | 37,000 |
| Pretax income | 453,000 | 1,004,000 | 1,554,000 | 2,068,000 |
| Income tax | 118,000 | 268,000 | 410,000 | 546,000 |
| Net income | 335,000 | 736,000 | 1,144,000 | 1,522,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,777,000 | 15,178,000 | 15,585,000 | 15,592,000 |
| Total capital | 15,420,000 | 15,834,000 | 16,256,000 | 16,263,000 |
| Risk-weighted assets | 65,520,000 | 67,775,000 | 68,695,000 | 68,059,000 |