Call reports 2014
BANK OF EUFAULA — 2014
What BANK OF EUFAULA 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 | 99,130,000 | 99,009,000 | 97,379,000 | 101,598,000 |
| Total loans | 39,793,000 | 40,977,000 | 40,641,000 | 39,813,000 |
| Allowance for loan losses | 562,000 | 566,000 | 900,000 | 853,000 |
| Securities available for sale | 39,615,000 | 39,881,000 | 38,543,000 | 39,785,000 |
| Securities held to maturity | 319,000 | 118,000 | 1,089,000 | 1,087,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,706,000 | 83,083,000 | 81,543,000 | 86,229,000 |
| Interest-bearing deposits | 61,266,000 | 60,224,000 | 59,089,000 | 61,451,000 |
| Noninterest-bearing deposits | 22,440,000 | 22,859,000 | 22,454,000 | 24,778,000 |
| Equity capital | 12,985,000 | 13,430,000 | 13,288,000 | 13,009,000 |
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 | 873,000 | 1,748,000 | 2,628,000 | 3,502,000 |
| Interest expense | 44,000 | 88,000 | 128,000 | 168,000 |
| Net interest income | 829,000 | 1,660,000 | 2,500,000 | 3,334,000 |
| Noninterest income | 130,000 | 250,000 | 375,000 | 496,000 |
| Noninterest expense | 652,000 | 1,319,000 | 1,949,000 | 3,567,000 |
| Provision for loan losses | -236,000 | -223,000 | 112,000 | 109,000 |
| Pretax income | 543,000 | 814,000 | 814,000 | 154,000 |
| Income tax | 210,000 | 288,000 | 260,000 | 63,000 |
| Net income | 333,000 | 526,000 | 554,000 | 91,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,963,000 | 13,156,000 | 13,184,000 | 12,721,000 |
| Total capital | 13,525,000 | 13,722,000 | 13,797,000 | 13,328,000 |
| Risk-weighted assets | 48,335,000 | 48,850,000 | 48,772,000 | 48,269,000 |
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