Call reports 2014
STANDING STONE BANK — 2014
What STANDING STONE 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 | 90,626,000 | 92,105,000 | 95,486,000 | 95,969,000 |
| Total loans | 48,527,000 | 50,015,000 | 52,682,000 | 53,599,000 |
| Allowance for loan losses | 584,000 | 581,000 | 580,000 | 580,000 |
| Securities available for sale | 27,484,000 | 26,687,000 | 24,394,000 | 25,122,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,779,000 | 67,883,000 | 77,551,000 | 73,776,000 |
| Interest-bearing deposits | 56,480,000 | 55,379,000 | 64,143,000 | 61,645,000 |
| Noninterest-bearing deposits | 11,299,000 | 12,504,000 | 13,408,000 | 12,131,000 |
| Equity capital | 7,087,000 | 7,292,000 | 7,568,000 | 7,477,000 |
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 | 763,000 | 1,580,000 | 2,441,000 | 3,276,000 |
| Interest expense | 63,000 | 127,000 | 201,000 | 278,000 |
| Net interest income | 700,000 | 1,453,000 | 2,240,000 | 2,998,000 |
| Noninterest income | 189,000 | 377,000 | 575,000 | 782,000 |
| Noninterest expense | 771,000 | 1,564,000 | 2,425,000 | 3,431,000 |
| Provision for loan losses | 0 | -34,000 | -64,000 | -79,000 |
| Pretax income | 143,000 | 361,000 | 535,000 | 532,000 |
| Income tax | 38,000 | 101,000 | 149,000 | 139,000 |
| Net income | 105,000 | 260,000 | 386,000 | 393,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,195,000 | 7,350,000 | 7,626,000 | 7,484,000 |
| Total capital | 7,779,000 | 7,931,000 | 8,206,000 | 8,064,000 |
| Risk-weighted assets | 53,913,000 | 55,705,000 | 57,830,000 | 59,312,000 |
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