Call reports 2014
STATE BANK OF CERRO GORDO — 2014
What STATE BANK OF CERRO GORDO 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 | 26,406,000 | 24,733,000 | 27,713,000 | 25,740,000 |
| Total loans | 9,691,000 | 9,754,000 | 10,098,000 | 9,832,000 |
| Allowance for loan losses | 135,000 | 138,000 | 138,000 | 82,000 |
| Securities available for sale | 2,549,000 | 4,040,000 | 4,135,000 | 4,698,000 |
| Securities held to maturity | 5,154,000 | 5,152,000 | 4,850,000 | 4,788,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,455,000 | 20,758,000 | 23,741,000 | 21,780,000 |
| Interest-bearing deposits | 18,991,000 | 17,803,000 | 20,115,000 | 18,689,000 |
| Noninterest-bearing deposits | 3,464,000 | 2,955,000 | 3,626,000 | 3,091,000 |
| Equity capital | 3,904,000 | 3,921,000 | 3,925,000 | 3,914,000 |
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 | 193,000 | 383,000 | 578,000 | 774,000 |
| Interest expense | 8,000 | 14,000 | 21,000 | 29,000 |
| Net interest income | 185,000 | 369,000 | 557,000 | 745,000 |
| Noninterest income | 33,000 | 69,000 | 97,000 | 126,000 |
| Noninterest expense | 201,000 | 411,000 | 619,000 | 847,000 |
| Provision for loan losses | 0 | 2,000 | 2,000 | 2,000 |
| Pretax income | 17,000 | 25,000 | 33,000 | 34,000 |
| Income tax | 1,000 | 0 | 0 | -30,000 |
| Net income | 16,000 | 25,000 | 33,000 | 64,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,390,000 | 3,399,000 | 3,408,000 | 3,418,000 |
| Total capital | 3,531,000 | 3,543,000 | 3,550,000 | 3,503,000 |
| Risk-weighted assets | 11,470,000 | 11,642,000 | 12,073,000 | 11,863,000 |