Call reports 2014
BRIGHTON BANK — 2014
What BRIGHTON 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 | 55,295,000 | 53,430,000 | 53,198,000 | 54,207,000 |
| Total loans | 41,746,000 | 40,258,000 | 40,620,000 | 38,102,000 |
| Allowance for loan losses | 655,000 | 445,000 | 312,000 | 473,000 |
| Securities available for sale | 6,182,000 | 6,045,000 | 5,850,000 | 5,790,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,595,000 | 49,613,000 | 49,962,000 | 51,146,000 |
| Interest-bearing deposits | 43,759,000 | 41,968,000 | 41,423,000 | 40,304,000 |
| Noninterest-bearing deposits | 7,836,000 | 7,645,000 | 8,539,000 | 10,843,000 |
| Equity capital | 2,991,000 | 3,052,000 | 3,067,000 | 2,889,000 |
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 | 600,000 | 1,197,000 | 1,783,000 | 2,340,000 |
| Interest expense | 87,000 | 165,000 | 239,000 | 312,000 |
| Net interest income | 513,000 | 1,032,000 | 1,544,000 | 2,028,000 |
| Noninterest income | 89,000 | 188,000 | 287,000 | 495,000 |
| Noninterest expense | 581,000 | 1,158,000 | 1,761,000 | 2,340,000 |
| Provision for loan losses | 0 | 0 | 0 | 340,000 |
| Pretax income | 54,000 | 95,000 | 103,000 | -94,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 54,000 | 95,000 | 103,000 | -94,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,981,000 | 3,022,000 | 3,030,000 | 2,833,000 |
| Total capital | 3,524,000 | 3,467,000 | 3,342,000 | 3,306,000 |
| Risk-weighted assets | 43,295,000 | 42,057,000 | 42,541,000 | 40,490,000 |