Call reports 2014
F & C BANK — 2014
What F & C 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 | 144,032,000 | 149,054,000 | 159,717,000 | 165,613,000 |
| Total loans | 114,389,000 | 117,899,000 | 124,429,000 | 130,275,000 |
| Allowance for loan losses | 1,793,000 | 1,760,000 | 1,841,000 | 1,830,000 |
| Securities available for sale | 6,587,000 | 6,437,000 | 10,253,000 | 9,795,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,423,000 | 128,471,000 | 138,839,000 | 144,385,000 |
| Interest-bearing deposits | 83,519,000 | 85,957,000 | 93,594,000 | 92,270,000 |
| Noninterest-bearing deposits | 39,904,000 | 42,514,000 | 45,245,000 | 52,115,000 |
| Equity capital | 15,861,000 | 15,785,000 | 16,040,000 | 16,316,000 |
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 | 1,736,000 | 3,600,000 | 5,522,000 | 7,517,000 |
| Interest expense | 146,000 | 295,000 | 452,000 | 613,000 |
| Net interest income | 1,590,000 | 3,305,000 | 5,070,000 | 6,904,000 |
| Noninterest income | 253,000 | 547,000 | 812,000 | 1,098,000 |
| Noninterest expense | 1,383,000 | 2,867,000 | 4,316,000 | 5,825,000 |
| Provision for loan losses | 75,000 | 75,000 | 150,000 | 255,000 |
| Pretax income | 385,000 | 910,000 | 1,416,000 | 1,922,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 385,000 | 910,000 | 1,416,000 | 1,922,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,840,000 | 15,722,000 | 15,991,000 | 16,263,000 |
| Total capital | 17,286,000 | 17,210,000 | 17,566,000 | 17,915,000 |
| Risk-weighted assets | 116,276,000 | 118,840,000 | 125,751,000 | 131,944,000 |
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