Call reports 2014
NEW CARLISLE FEDERAL SAVINGS BANK — 2014
What NEW CARLISLE FEDERAL SAVINGS 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 | 83,429,000 | 83,105,000 | 85,019,000 | 83,576,000 |
| Total loans | 65,506,000 | 67,230,000 | 70,113,000 | 70,257,000 |
| Allowance for loan losses | 1,033,000 | 970,000 | 946,000 | 953,000 |
| Securities available for sale | 4,792,000 | 2,315,000 | 2,703,000 | 3,324,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,882,000 | 64,570,000 | 65,730,000 | 65,405,000 |
| Interest-bearing deposits | 54,083,000 | 53,457,000 | 54,124,000 | 53,278,000 |
| Noninterest-bearing deposits | 10,799,000 | 11,113,000 | 11,606,000 | 12,127,000 |
| Equity capital | 9,646,000 | 9,710,000 | 9,735,000 | 9,787,000 |
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 | 794,000 | 1,619,000 | 2,466,000 | 3,312,000 |
| Interest expense | 96,000 | 191,000 | 290,000 | 383,000 |
| Net interest income | 698,000 | 1,428,000 | 2,176,000 | 2,929,000 |
| Noninterest income | 212,000 | 438,000 | 649,000 | 863,000 |
| Noninterest expense | 849,000 | 1,718,000 | 2,612,000 | 3,448,000 |
| Provision for loan losses | 0 | 7,000 | 28,000 | 79,000 |
| Pretax income | 61,000 | 141,000 | 185,000 | 265,000 |
| Income tax | 24,000 | 55,000 | 74,000 | 104,000 |
| Net income | 37,000 | 86,000 | 111,000 | 161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,663,000 | 9,712,000 | 9,737,000 | 9,787,000 |
| Total capital | 10,489,000 | 10,536,000 | 10,583,000 | 10,629,000 |
| Risk-weighted assets | 65,857,000 | 65,738,000 | 67,550,000 | 67,221,000 |