Call reports 2014
RUTH STATE BANK — 2014
What RUTH STATE 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 | 35,424,000 | 34,220,000 | 34,668,000 | 37,627,000 |
| Total loans | 8,326,000 | 8,534,000 | 8,821,000 | 8,966,000 |
| Allowance for loan losses | 163,000 | 163,000 | 163,000 | 98,000 |
| Securities available for sale | 13,818,000 | 15,480,000 | 15,079,000 | 17,120,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,281,000 | 30,999,000 | 31,381,000 | 34,287,000 |
| Interest-bearing deposits | 25,861,000 | 25,296,000 | 26,014,000 | 26,477,000 |
| Noninterest-bearing deposits | 6,420,000 | 5,703,000 | 5,367,000 | 7,810,000 |
| Equity capital | 2,864,000 | 2,948,000 | 3,004,000 | 3,063,000 |
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 | 190,000 | 383,000 | 596,000 | 798,000 |
| Interest expense | 33,000 | 61,000 | 84,000 | 102,000 |
| Net interest income | 157,000 | 322,000 | 512,000 | 696,000 |
| Noninterest income | 19,000 | 32,000 | 52,000 | 88,000 |
| Noninterest expense | 159,000 | 339,000 | 503,000 | 675,000 |
| Provision for loan losses | 0 | 0 | 0 | 18,000 |
| Pretax income | 17,000 | 15,000 | 62,000 | 92,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 17,000 | 15,000 | 62,000 | 92,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,017,000 | 3,014,000 | 3,061,000 | 3,091,000 |
| Total capital | 3,170,000 | 3,174,000 | 3,224,000 | 3,189,000 |
| Risk-weighted assets | 12,216,000 | 12,806,000 | 13,117,000 | 13,701,000 |
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