Call reports 2014
POTTER STATE BANK OF POTTER, THE — 2014
What POTTER STATE BANK OF POTTER, 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 | 35,940,000 | 35,399,000 | 36,265,000 | 35,222,000 |
| Total loans | 13,739,000 | 15,467,000 | 17,142,000 | 16,465,000 |
| Allowance for loan losses | 205,000 | 205,000 | 205,000 | 207,000 |
| Securities available for sale | 5,286,000 | 4,147,000 | 3,734,000 | 3,331,000 |
| Securities held to maturity | 6,370,000 | 6,334,000 | 6,493,000 | 6,406,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,557,000 | 30,882,000 | 30,135,000 | 30,576,000 |
| Interest-bearing deposits | 26,115,000 | 25,870,000 | 25,419,000 | 25,359,000 |
| Noninterest-bearing deposits | 5,442,000 | 5,012,000 | 4,716,000 | 5,217,000 |
| Equity capital | 4,139,000 | 4,236,000 | 4,320,000 | 4,387,000 |
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 | 311,000 | 630,000 | 979,000 | 1,333,000 |
| Interest expense | 35,000 | 68,000 | 102,000 | 135,000 |
| Net interest income | 276,000 | 562,000 | 877,000 | 1,198,000 |
| Noninterest income | 30,000 | 62,000 | 87,000 | 120,000 |
| Noninterest expense | 241,000 | 477,000 | 722,000 | 991,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 65,000 | 139,000 | 243,000 | 328,000 |
| Income tax | 6,000 | 15,000 | 30,000 | 49,000 |
| Net income | 59,000 | 124,000 | 213,000 | 279,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,149,000 | 4,231,000 | 4,320,000 | 4,385,000 |
| Total capital | 4,354,000 | 4,436,000 | 4,525,000 | 4,592,000 |
| Risk-weighted assets | 21,372,000 | 21,847,000 | 23,409,000 | 22,428,000 |