Call reports 2014
STATE-INVESTORS BANK — 2014
What STATE-INVESTORS 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 | 259,260,000 | 269,569,000 | 268,768,000 | 271,773,000 |
| Total loans | 204,681,000 | 214,437,000 | 214,527,000 | 219,603,000 |
| Allowance for loan losses | 1,401,000 | 1,313,000 | 1,347,000 | 1,397,000 |
| Securities available for sale | 36,872,000 | 36,547,000 | 37,438,000 | 35,295,000 |
| Securities held to maturity | 300,000 | 279,000 | 264,000 | 249,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,708,000 | 163,387,000 | 162,333,000 | 159,918,000 |
| Interest-bearing deposits | 159,692,000 | 151,615,000 | 149,754,000 | 147,497,000 |
| Noninterest-bearing deposits | 1,016,000 | 11,772,000 | 12,579,000 | 12,421,000 |
| Equity capital | 38,924,000 | 39,388,000 | 38,321,000 | 38,777,000 |
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 | 2,755,000 | 5,639,000 | 8,607,000 | 11,552,000 |
| Interest expense | 637,000 | 1,285,000 | 1,944,000 | 2,605,000 |
| Net interest income | 2,118,000 | 4,354,000 | 6,663,000 | 8,947,000 |
| Noninterest income | 25,000 | 51,000 | 80,000 | 93,000 |
| Noninterest expense | 1,578,000 | 3,135,000 | 4,751,000 | 6,285,000 |
| Provision for loan losses | 50,000 | 100,000 | 150,000 | 200,000 |
| Pretax income | 515,000 | 1,170,000 | 1,842,000 | 2,555,000 |
| Income tax | 177,000 | 403,000 | 634,000 | 879,000 |
| Net income | 338,000 | 767,000 | 1,208,000 | 1,676,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,475,000 | 38,905,000 | 37,856,000 | 38,323,000 |
| Total capital | 39,876,000 | 40,218,000 | 39,203,000 | 39,720,000 |
| Risk-weighted assets | 152,629,000 | 161,871,000 | 162,049,000 | 165,793,000 |