Call reports 2014
STATE BANK OF BEMENT — 2014
What STATE BANK OF BEMENT 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 | 83,636,000 | 81,777,000 | 82,180,000 | 85,047,000 |
| Total loans | 43,706,000 | 44,580,000 | 47,203,000 | 49,631,000 |
| Allowance for loan losses | 497,000 | 506,000 | 511,000 | 388,000 |
| Securities available for sale | 10,775,000 | 14,541,000 | 14,881,000 | 16,092,000 |
| Securities held to maturity | 13,178,000 | 12,698,000 | 12,797,000 | 11,455,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,039,000 | 70,029,000 | 70,380,000 | 71,007,000 |
| Interest-bearing deposits | 56,949,000 | 55,957,000 | 57,846,000 | 57,159,000 |
| Noninterest-bearing deposits | 15,090,000 | 14,072,000 | 12,534,000 | 13,848,000 |
| Equity capital | 11,440,000 | 11,589,000 | 11,624,000 | 11,496,000 |
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 | 725,000 | 1,479,000 | 2,264,000 | 3,080,000 |
| Interest expense | 25,000 | 48,000 | 71,000 | 96,000 |
| Net interest income | 700,000 | 1,431,000 | 2,193,000 | 2,984,000 |
| Noninterest income | 127,000 | 257,000 | 381,000 | 552,000 |
| Noninterest expense | 686,000 | 1,390,000 | 2,092,000 | 2,875,000 |
| Provision for loan losses | 20,000 | 40,000 | 65,000 | 85,000 |
| Pretax income | 121,000 | 258,000 | 417,000 | 575,000 |
| Income tax | 18,000 | 41,000 | 72,000 | 104,000 |
| Net income | 103,000 | 217,000 | 345,000 | 471,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,455,000 | 11,569,000 | 11,597,000 | 11,474,000 |
| Total capital | 11,952,000 | 12,075,000 | 12,108,000 | 11,862,000 |
| Risk-weighted assets | 53,538,000 | 55,654,000 | 57,775,000 | 62,936,000 |