Call reports 2014
STATE BANK OF DOWNS — 2014
What STATE BANK OF DOWNS 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 | 86,417,000 | 82,889,000 | 85,956,000 | 98,193,000 |
| Total loans | 67,087,000 | 63,762,000 | 68,666,000 | 76,529,000 |
| Allowance for loan losses | 747,000 | 747,000 | 775,000 | 825,000 |
| Securities available for sale | 0 | 0 | 0 | 292,000 |
| Securities held to maturity | 1,752,000 | 1,966,000 | 2,088,000 | 2,280,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,236,000 | 69,358,000 | 72,089,000 | 84,684,000 |
| Interest-bearing deposits | 55,437,000 | 52,251,000 | 53,911,000 | 61,733,000 |
| Noninterest-bearing deposits | 17,799,000 | 17,107,000 | 18,178,000 | 22,951,000 |
| Equity capital | 8,616,000 | 8,981,000 | 9,270,000 | 8,872,000 |
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 | 949,000 | 1,964,000 | 2,948,000 | 4,066,000 |
| Interest expense | 136,000 | 272,000 | 417,000 | 564,000 |
| Net interest income | 813,000 | 1,692,000 | 2,531,000 | 3,502,000 |
| Noninterest income | -102,000 | -58,000 | -74,000 | -10,000 |
| Noninterest expense | 527,000 | 1,081,000 | 1,633,000 | 2,532,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 184,000 | 553,000 | 845,000 | 931,000 |
| Income tax | 25,000 | 29,000 | 32,000 | 36,000 |
| Net income | 159,000 | 524,000 | 813,000 | 895,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,616,000 | 8,981,000 | 9,270,000 | 8,872,000 |
| Total capital | 9,363,000 | 9,728,000 | 10,045,000 | 9,697,000 |
| Risk-weighted assets | 66,261,000 | 64,512,000 | 70,007,000 | 76,882,000 |
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