Call reports 2014
BANCROFT STATE BANK — 2014
What BANCROFT STATE 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 | 69,730,000 | 68,010,000 | 69,399,000 | 72,429,000 |
| Total loans | 43,940,000 | 44,787,000 | 45,876,000 | 45,905,000 |
| Allowance for loan losses | 636,000 | 633,000 | 761,000 | 762,000 |
| Securities available for sale | 16,029,000 | 13,174,000 | 12,865,000 | 12,966,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,735,000 | 61,897,000 | 63,119,000 | 66,078,000 |
| Interest-bearing deposits | 51,090,000 | 48,929,000 | 49,929,000 | 50,915,000 |
| Noninterest-bearing deposits | 12,645,000 | 12,968,000 | 13,190,000 | 15,163,000 |
| Equity capital | 5,943,000 | 6,037,000 | 6,205,000 | 6,276,000 |
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 | 637,000 | 1,274,000 | 1,904,000 | 2,573,000 |
| Interest expense | 70,000 | 134,000 | 193,000 | 252,000 |
| Net interest income | 567,000 | 1,140,000 | 1,711,000 | 2,321,000 |
| Noninterest income | 4,000 | 20,000 | 144,000 | 107,000 |
| Noninterest expense | 532,000 | 1,119,000 | 1,612,000 | 2,159,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | 10,000 |
| Pretax income | 29,000 | 50,000 | 197,000 | 278,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 29,000 | 50,000 | 197,000 | 278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,059,000 | 6,081,000 | 6,228,000 | 6,309,000 |
| Total capital | 6,600,000 | 6,632,000 | 6,794,000 | 6,875,000 |
| Risk-weighted assets | 43,164,000 | 43,975,000 | 45,088,000 | 45,047,000 |