Call reports 2014
STOCK EXCHANGE BANK — 2014
What STOCK EXCHANGE 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 | 49,672,000 | 47,762,000 | 49,136,000 | 49,338,000 |
| Total loans | 27,935,000 | 31,086,000 | 33,690,000 | 34,242,000 |
| Allowance for loan losses | 319,000 | 331,000 | 355,000 | 359,000 |
| Securities available for sale | 13,771,000 | 12,553,000 | 12,018,000 | 11,672,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,226,000 | 43,409,000 | 45,284,000 | 44,534,000 |
| Interest-bearing deposits | 37,407,000 | 35,752,000 | 37,557,000 | 36,782,000 |
| Noninterest-bearing deposits | 8,818,000 | 7,657,000 | 7,727,000 | 7,752,000 |
| Equity capital | 3,387,000 | 3,472,000 | 3,518,000 | 3,599,000 |
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 | 444,000 | 910,000 | 1,401,000 | 1,909,000 |
| Interest expense | 44,000 | 87,000 | 129,000 | 174,000 |
| Net interest income | 400,000 | 823,000 | 1,272,000 | 1,735,000 |
| Noninterest income | 44,000 | 86,000 | 132,000 | 179,000 |
| Noninterest expense | 354,000 | 738,000 | 1,112,000 | 1,589,000 |
| Provision for loan losses | 8,000 | 20,000 | 45,000 | 58,000 |
| Pretax income | 82,000 | 155,000 | 251,000 | 271,000 |
| Income tax | 24,000 | 55,000 | 91,000 | 94,000 |
| Net income | 58,000 | 100,000 | 160,000 | 177,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,471,000 | 3,500,000 | 3,549,000 | 3,566,000 |
| Total capital | 3,790,000 | 3,831,000 | 3,904,000 | 3,925,000 |
| Risk-weighted assets | 26,441,000 | 28,141,000 | 29,979,000 | 30,783,000 |