Call reports 2014
ANDALUSIA COMMUNITY BANK — 2014
What ANDALUSIA COMMUNITY 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 | 42,798,000 | 41,641,000 | 42,629,000 | 40,927,000 |
| Total loans | 23,361,000 | 24,086,000 | 25,127,000 | 25,860,000 |
| Allowance for loan losses | 717,000 | 724,000 | 760,000 | 982,000 |
| Securities available for sale | 11,037,000 | 10,041,000 | 10,437,000 | 7,698,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,460,000 | 35,245,000 | 34,422,000 | 34,255,000 |
| Interest-bearing deposits | 30,326,000 | 29,213,000 | 28,772,000 | 28,363,000 |
| Noninterest-bearing deposits | 6,134,000 | 6,032,000 | 5,650,000 | 5,892,000 |
| Equity capital | 6,160,000 | 6,202,000 | 6,112,000 | 5,537,000 |
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 | 423,000 | 845,000 | 1,272,000 | 1,666,000 |
| Interest expense | 34,000 | 66,000 | 96,000 | 125,000 |
| Net interest income | 389,000 | 779,000 | 1,176,000 | 1,541,000 |
| Noninterest income | 54,000 | 99,000 | 165,000 | 207,000 |
| Noninterest expense | 425,000 | 855,000 | 1,444,000 | 1,900,000 |
| Provision for loan losses | 0 | 0 | 51,000 | 259,000 |
| Pretax income | 18,000 | 51,000 | -126,000 | -275,000 |
| Income tax | -11,000 | -15,000 | -94,000 | 287,000 |
| Net income | 29,000 | 66,000 | -32,000 | -562,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,025,000 | 6,062,000 | 5,963,000 | 5,434,000 |
| Total capital | 6,317,000 | 6,357,000 | 6,263,000 | 5,731,000 |
| Risk-weighted assets | 22,970,000 | 23,141,000 | 23,550,000 | 23,056,000 |