Call reports 2014
SPRATT SAVINGS BANK — 2014
What SPRATT 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 | 105,692,000 | 106,419,000 | 112,854,000 | 109,203,000 |
| Total loans | 28,834,000 | 29,921,000 | 30,207,000 | 30,958,000 |
| Allowance for loan losses | 1,190,000 | 1,190,000 | 1,190,000 | 1,190,000 |
| Securities available for sale | 20,600,000 | 19,503,000 | 18,536,000 | 18,657,000 |
| Securities held to maturity | 34,025,000 | 35,330,000 | 37,436,000 | 36,430,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,424,000 | 79,059,000 | 85,389,000 | 81,577,000 |
| Interest-bearing deposits | 72,662,000 | 73,230,000 | 76,680,000 | 74,852,000 |
| Noninterest-bearing deposits | 5,762,000 | 5,829,000 | 8,709,000 | 6,725,000 |
| Equity capital | 27,030,000 | 27,183,000 | 27,264,000 | 27,437,000 |
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 | 711,000 | 1,452,000 | 2,195,000 | 2,971,000 |
| Interest expense | 150,000 | 303,000 | 456,000 | 609,000 |
| Net interest income | 561,000 | 1,149,000 | 1,739,000 | 2,362,000 |
| Noninterest income | 39,000 | 77,000 | 117,000 | 155,000 |
| Noninterest expense | 516,000 | 1,023,000 | 1,523,000 | 2,045,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 83,000 | 202,000 | 361,000 | 500,000 |
| Income tax | 19,000 | 51,000 | 99,000 | 142,000 |
| Net income | 64,000 | 151,000 | 262,000 | 358,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,094,000 | 27,181,000 | 27,291,000 | 27,388,000 |
| Total capital | 27,588,000 | 27,689,000 | 27,812,000 | 27,913,000 |
| Risk-weighted assets | 38,836,000 | 40,003,000 | 41,013,000 | 41,411,000 |
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