Call reports 2014
AREA BANK — 2014
What AREA 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 |
|---|---|---|---|
| Total assets | 102,733,000 | 104,508,000 | 103,977,000 |
| Total loans | 27,842,000 | 28,511,000 | 25,953,000 |
| Allowance for loan losses | 401,000 | 409,000 | 405,000 |
| Securities available for sale | 61,984,000 | 60,375,000 | 56,586,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 94,467,000 | 95,325,000 | 95,069,000 |
| Interest-bearing deposits | 73,626,000 | 74,320,000 | 74,141,000 |
| Noninterest-bearing deposits | 20,841,000 | 21,005,000 | 20,928,000 |
| Equity capital | 7,283,000 | 8,152,000 | 8,455,000 |
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 |
|---|---|---|---|
| Interest income | 700,000 | 1,397,000 | 2,072,000 |
| Interest expense | 100,000 | 200,000 | 296,000 |
| Net interest income | 600,000 | 1,197,000 | 1,776,000 |
| Noninterest income | 128,000 | 280,000 | 422,000 |
| Noninterest expense | 561,000 | 1,139,000 | 1,785,000 |
| Provision for loan losses | 16,000 | 18,000 | 18,000 |
| Pretax income | 191,000 | 371,000 | 335,000 |
| Income tax | 0 | 0 | 0 |
| Net income | 191,000 | 371,000 | 335,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 |
|---|---|---|---|
| Tier 1 capital | 8,418,000 | 8,475,000 | 8,441,000 |
| Total capital | 8,819,000 | 8,884,000 | 8,846,000 |
| Risk-weighted assets | 46,175,000 | 46,429,000 | 39,838,000 |