Call reports 2014
INEZ DEPOSIT BANK — 2014
What INEZ DEPOSIT 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 | 158,300,000 | 154,223,000 | 154,687,000 | 149,656,000 |
| Total loans | 56,200,000 | 55,332,000 | 54,971,000 | 54,747,000 |
| Allowance for loan losses | 879,000 | 866,000 | 871,000 | 831,000 |
| Securities available for sale | 74,517,000 | 74,361,000 | 71,807,000 | 69,009,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,611,000 | 136,425,000 | 136,480,000 | 131,178,000 |
| Interest-bearing deposits | 115,895,000 | 110,038,000 | 107,655,000 | 106,146,000 |
| Noninterest-bearing deposits | 25,716,000 | 26,387,000 | 28,825,000 | 25,032,000 |
| Equity capital | 16,395,000 | 17,433,000 | 17,732,000 | 18,067,000 |
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 | 1,339,000 | 2,650,000 | 3,923,000 | 5,175,000 |
| Interest expense | 249,000 | 489,000 | 711,000 | 932,000 |
| Net interest income | 1,090,000 | 2,161,000 | 3,212,000 | 4,243,000 |
| Noninterest income | 238,000 | 492,000 | 751,000 | 1,000,000 |
| Noninterest expense | 1,179,000 | 2,347,000 | 3,490,000 | 4,585,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 141,000 | 291,000 | 450,000 | 628,000 |
| Income tax | 12,000 | 30,000 | 60,000 | 98,000 |
| Net income | 129,000 | 261,000 | 390,000 | 530,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,917,000 | 18,050,000 | 18,179,000 | 18,070,000 |
| Total capital | 18,727,000 | 18,828,000 | 18,947,000 | 18,817,000 |
| Risk-weighted assets | 64,750,000 | 62,094,000 | 61,321,000 | 59,697,000 |