Call reports 2014
ST. HENRY BANK, THE — 2014
What ST. HENRY BANK, THE 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 | 263,929,000 | 262,830,000 | 265,453,000 | 267,665,000 |
| Total loans | 127,327,000 | 129,800,000 | 133,431,000 | 136,234,000 |
| Allowance for loan losses | 1,884,000 | 1,896,000 | 1,905,000 | 1,920,000 |
| Securities available for sale | 113,010,000 | 112,248,000 | 108,975,000 | 110,484,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,690,000 | 212,040,000 | 214,652,000 | 214,929,000 |
| Interest-bearing deposits | 168,745,000 | 170,891,000 | 175,944,000 | 168,957,000 |
| Noninterest-bearing deposits | 43,945,000 | 41,149,000 | 38,708,000 | 45,972,000 |
| Equity capital | 38,951,000 | 38,943,000 | 39,557,000 | 41,532,000 |
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 | 2,395,000 | 4,820,000 | 7,247,000 | 9,726,000 |
| Interest expense | 347,000 | 697,000 | 1,029,000 | 1,335,000 |
| Net interest income | 2,048,000 | 4,123,000 | 6,218,000 | 8,391,000 |
| Noninterest income | 181,000 | 439,000 | 632,000 | 869,000 |
| Noninterest expense | 795,000 | 1,584,000 | 2,402,000 | 3,321,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 1,419,000 | 2,948,000 | 4,407,000 | 5,932,000 |
| Income tax | 44,000 | 59,000 | 67,000 | 74,000 |
| Net income | 1,375,000 | 2,889,000 | 4,340,000 | 5,858,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,581,000 | 38,774,000 | 39,038,000 | 40,284,000 |
| Total capital | 41,367,000 | 40,530,000 | 40,873,000 | 42,149,000 |
| Risk-weighted assets | 142,747,000 | 140,312,000 | 146,731,000 | 149,125,000 |