Call reports 2014
BREDA SAVINGS BANK — 2014
What BREDA SAVINGS 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 | 47,815,000 | 48,326,000 | 48,996,000 | 49,735,000 |
| Total loans | 20,193,000 | 21,825,000 | 22,207,000 | 22,935,000 |
| Allowance for loan losses | 435,000 | 436,000 | 437,000 | 437,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 24,880,000 | 24,610,000 | 24,949,000 | 24,815,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,624,000 | 31,891,000 | 30,762,000 | 31,025,000 |
| Interest-bearing deposits | 22,112,000 | 21,921,000 | 21,525,000 | 21,308,000 |
| Noninterest-bearing deposits | 9,512,000 | 9,970,000 | 9,237,000 | 9,717,000 |
| Equity capital | 7,245,000 | 7,444,000 | 7,611,000 | 7,032,000 |
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 | 497,000 | 982,000 | 1,463,000 | 2,006,000 |
| Interest expense | 29,000 | 57,000 | 87,000 | 119,000 |
| Net interest income | 468,000 | 925,000 | 1,376,000 | 1,887,000 |
| Noninterest income | 37,000 | 78,000 | 117,000 | 166,000 |
| Noninterest expense | 283,000 | 561,000 | 847,000 | 1,071,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 222,000 | 442,000 | 619,000 | 921,000 |
| Income tax | 6,000 | 27,000 | 37,000 | 48,000 |
| Net income | 216,000 | 415,000 | 582,000 | 873,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,245,000 | 7,444,000 | 7,611,000 | 7,032,000 |
| Total capital | 7,586,000 | 7,796,000 | 7,972,000 | 7,399,000 |
| Risk-weighted assets | 27,170,000 | 28,065,000 | 28,789,000 | 29,275,000 |