Call reports 2014
STATE BANK OF CHILTON — 2014
What STATE BANK OF CHILTON 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 | 159,180,000 | 157,502,000 | 171,550,000 | 162,368,000 |
| Total loans | 130,797,000 | 132,012,000 | 137,751,000 | 138,330,000 |
| Allowance for loan losses | 1,450,000 | 1,818,000 | 1,953,000 | 2,012,000 |
| Securities available for sale | 9,712,000 | 10,082,000 | 10,331,000 | 12,414,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,514,000 | 129,698,000 | 143,023,000 | 133,908,000 |
| Interest-bearing deposits | 106,520,000 | 103,185,000 | 113,396,000 | 105,338,000 |
| Noninterest-bearing deposits | 24,994,000 | 26,513,000 | 29,627,000 | 28,570,000 |
| Equity capital | 24,494,000 | 24,618,000 | 25,325,000 | 25,271,000 |
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 | 1,655,000 | 3,297,000 | 5,295,000 | 7,032,000 |
| Interest expense | 157,000 | 311,000 | 463,000 | 617,000 |
| Net interest income | 1,498,000 | 2,986,000 | 4,832,000 | 6,415,000 |
| Noninterest income | 73,000 | 201,000 | 307,000 | 365,000 |
| Noninterest expense | 891,000 | 1,834,000 | 2,709,000 | 3,764,000 |
| Provision for loan losses | 0 | 325,000 | 475,000 | 800,000 |
| Pretax income | 680,000 | 1,028,000 | 1,955,000 | 2,216,000 |
| Income tax | -2,000 | -2,000 | -2,000 | -2,000 |
| Net income | 682,000 | 1,030,000 | 1,957,000 | 2,218,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,480,000 | 24,604,000 | 25,307,000 | 25,255,000 |
| Total capital | 25,930,000 | 26,174,000 | 26,927,000 | 26,892,000 |
| Risk-weighted assets | 124,242,000 | 125,319,000 | 129,262,000 | 130,554,000 |