Call reports 2014
BANK OF MODESTO — 2014
What BANK OF MODESTO 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 | 47,261,000 | 46,026,000 | 45,403,000 | 46,494,000 |
| Total loans | 23,288,000 | 24,208,000 | 24,593,000 | 26,301,000 |
| Allowance for loan losses | 201,000 | 201,000 | 201,000 | 199,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 16,794,000 | 15,933,000 | 14,959,000 | 14,573,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,753,000 | 40,828,000 | 40,557,000 | 41,679,000 |
| Interest-bearing deposits | 34,697,000 | 33,088,000 | 33,052,000 | 33,996,000 |
| Noninterest-bearing deposits | 8,056,000 | 7,740,000 | 7,505,000 | 7,683,000 |
| Equity capital | 4,416,000 | 4,474,000 | 4,529,000 | 4,541,000 |
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 | 346,000 | 707,000 | 1,070,000 | 1,430,000 |
| Interest expense | 28,000 | 55,000 | 83,000 | 112,000 |
| Net interest income | 318,000 | 652,000 | 987,000 | 1,318,000 |
| Noninterest income | 20,000 | 49,000 | 76,000 | 104,000 |
| Noninterest expense | 255,000 | 516,000 | 781,000 | 1,089,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 83,000 | 185,000 | 282,000 | 333,000 |
| Income tax | 34,000 | 77,000 | 119,000 | 109,000 |
| Net income | 49,000 | 108,000 | 163,000 | 224,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,259,000 | 4,336,000 | 4,410,000 | 4,441,000 |
| Total capital | 4,460,000 | 4,537,000 | 4,611,000 | 4,640,000 |
| Risk-weighted assets | 28,885,000 | 28,071,000 | 29,494,000 | 29,671,000 |
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