Call reports 2014
BAKER BOYER NATIONAL BANK — 2014
What BAKER BOYER NATIONAL 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 | 573,663,000 | 552,280,000 | 554,217,000 | 552,055,000 |
| Total loans | 270,990,000 | 281,209,000 | 288,970,000 | 285,134,000 |
| Allowance for loan losses | 6,601,000 | 6,205,000 | 6,241,000 | 5,964,000 |
| Securities available for sale | 195,680,000 | 196,694,000 | 206,268,000 | 199,789,000 |
| Securities held to maturity | 1,537,000 | 1,539,000 | 1,541,000 | 1,488,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 500,639,000 | 485,472,000 | 484,418,000 | 484,138,000 |
| Interest-bearing deposits | 366,529,000 | 353,582,000 | 348,297,000 | 340,667,000 |
| Noninterest-bearing deposits | 134,110,000 | 131,890,000 | 136,121,000 | 143,471,000 |
| Equity capital | 46,956,000 | 46,416,000 | 47,079,000 | 47,925,000 |
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 | 4,262,000 | 8,637,000 | 13,139,000 | 17,651,000 |
| Interest expense | 125,000 | 234,000 | 333,000 | 423,000 |
| Net interest income | 4,137,000 | 8,403,000 | 12,806,000 | 17,228,000 |
| Noninterest income | 2,566,000 | 5,284,000 | 8,304,000 | 11,727,000 |
| Noninterest expense | 5,161,000 | 10,560,000 | 15,846,000 | 21,325,000 |
| Provision for loan losses | 0 | 22,000 | 45,000 | 69,000 |
| Pretax income | 1,551,000 | 3,126,000 | 5,457,000 | 7,799,000 |
| Income tax | 402,000 | 834,000 | 1,478,000 | 2,143,000 |
| Net income | 1,149,000 | 2,292,000 | 3,979,000 | 5,656,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,332,000 | 45,805,000 | 46,592,000 | 47,339,000 |
| Total capital | 50,454,000 | 50,072,000 | 50,970,000 | 51,576,000 |
| Risk-weighted assets | 327,246,000 | 339,461,000 | 348,383,000 | 337,244,000 |