Call reports 2014
ALL CAPITAL BANK — 2014
What ALL CAPITAL 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 | 31,999,000 | 31,468,000 | 31,274,000 | 32,523,000 |
| Total loans | 16,598,000 | 17,220,000 | 18,128,000 | 19,713,000 |
| Allowance for loan losses | 350,000 | 387,000 | 397,000 | 432,000 |
| Securities available for sale | 22,000 | 22,000 | 19,000 | 19,000 |
| Securities held to maturity | 3,504,000 | 3,251,000 | 2,946,000 | 2,946,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,449,000 | 27,782,000 | 27,399,000 | 28,686,000 |
| Interest-bearing deposits | 18,853,000 | 17,496,000 | 16,839,000 | 17,267,000 |
| Noninterest-bearing deposits | 9,596,000 | 10,286,000 | 10,560,000 | 11,419,000 |
| Equity capital | 3,131,000 | 3,165,000 | 3,257,000 | 3,356,000 |
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 | 357,000 | 740,000 | 1,148,000 | 1,566,000 |
| Interest expense | 12,000 | 25,000 | 36,000 | 48,000 |
| Net interest income | 345,000 | 715,000 | 1,112,000 | 1,518,000 |
| Noninterest income | 153,000 | 314,000 | 475,000 | 625,000 |
| Noninterest expense | 337,000 | 668,000 | 995,000 | 1,312,000 |
| Provision for loan losses | 22,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 139,000 | 316,000 | 524,000 | 741,000 |
| Income tax | 49,000 | 112,000 | 187,000 | 265,000 |
| Net income | 90,000 | 204,000 | 337,000 | 476,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,041,000 | 3,075,000 | 3,167,000 | 3,265,000 |
| Total capital | 3,284,000 | 3,342,000 | 3,437,000 | 3,550,000 |
| Risk-weighted assets | 19,311,000 | 21,249,000 | 21,465,000 | 22,630,000 |