Call reports 2014
FINANCE FACTORS, LIMITED — 2014
What FINANCE FACTORS, LIMITED 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 | 483,048,000 | 484,368,000 | 486,636,000 | 486,548,000 |
| Total loans | 291,823,000 | 294,488,000 | 301,377,000 | 296,568,000 |
| Allowance for loan losses | 8,809,000 | 8,890,000 | 7,604,000 | 8,153,000 |
| Securities available for sale | 109,016,000 | 106,996,000 | 107,794,000 | 110,293,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 393,851,000 | 394,319,000 | 389,959,000 | 394,187,000 |
| Interest-bearing deposits | 393,304,000 | 393,553,000 | 389,548,000 | 393,463,000 |
| Noninterest-bearing deposits | 547,000 | 766,000 | 411,000 | 724,000 |
| Equity capital | 61,167,000 | 62,172,000 | 62,638,000 | 63,951,000 |
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 | 5,125,000 | 9,796,000 | 14,556,000 | 19,753,000 |
| Interest expense | 560,000 | 1,118,000 | 1,665,000 | 2,208,000 |
| Net interest income | 4,565,000 | 8,678,000 | 12,891,000 | 17,545,000 |
| Noninterest income | -22,000 | -44,000 | 52,000 | 679,000 |
| Noninterest expense | 3,398,000 | 6,774,000 | 10,230,000 | 14,274,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,289,000 | 2,294,000 | 3,223,000 | 4,428,000 |
| Income tax | 310,000 | 559,000 | 763,000 | 1,115,000 |
| Net income | 979,000 | 1,735,000 | 2,460,000 | 3,313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,411,000 | 53,421,000 | 54,360,000 | 55,557,000 |
| Total capital | 56,835,000 | 57,876,000 | 58,903,000 | 60,277,000 |
| Risk-weighted assets | 313,695,000 | 314,199,000 | 324,054,000 | 320,579,000 |
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