Call reports 2014
STATE BANK OF NEW RICHLAND — 2014
What STATE BANK OF NEW RICHLAND 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 | 89,789,000 | 93,630,000 | 96,448,000 | 100,730,000 |
| Total loans | 68,708,000 | 73,750,000 | 76,932,000 | 81,100,000 |
| Allowance for loan losses | 884,000 | 876,000 | 875,000 | 854,000 |
| Securities available for sale | 16,190,000 | 16,303,000 | 16,152,000 | 15,761,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,618,000 | 63,561,000 | 68,126,000 | 69,061,000 |
| Interest-bearing deposits | 56,700,000 | 55,989,000 | 60,924,000 | 59,410,000 |
| Noninterest-bearing deposits | 8,918,000 | 7,572,000 | 7,203,000 | 9,651,000 |
| Equity capital | 9,048,000 | 9,293,000 | 9,649,000 | 8,988,000 |
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 | 1,080,000 | 2,225,000 | 3,443,000 | 4,624,000 |
| Interest expense | 340,000 | 681,000 | 1,013,000 | 1,368,000 |
| Net interest income | 740,000 | 1,544,000 | 2,430,000 | 3,256,000 |
| Noninterest income | 57,000 | 111,000 | 168,000 | 235,000 |
| Noninterest expense | 342,000 | 692,000 | 1,020,000 | 1,550,000 |
| Provision for loan losses | 0 | 0 | 0 | 214,000 |
| Pretax income | 455,000 | 963,000 | 1,578,000 | 1,727,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 455,000 | 963,000 | 1,578,000 | 1,727,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,544,000 | 8,580,000 | 8,959,000 | 8,186,000 |
| Total capital | 9,390,000 | 9,397,000 | 9,834,000 | 9,040,000 |
| Risk-weighted assets | 67,663,000 | 72,017,000 | 75,292,000 | 79,189,000 |