Call reports 2014
ACB BANK — 2014
What ACB 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 | 85,313,000 | 87,162,000 | 89,688,000 | 97,235,000 |
| Total loans | 58,160,000 | 61,506,000 | 66,574,000 | 72,274,000 |
| Allowance for loan losses | 1,211,000 | 1,260,000 | 1,253,000 | 1,052,000 |
| Securities available for sale | 16,585,000 | 17,592,000 | 16,575,000 | 16,282,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,172,000 | 73,055,000 | 74,240,000 | 77,907,000 |
| Interest-bearing deposits | 54,493,000 | 52,806,000 | 54,707,000 | 56,558,000 |
| Noninterest-bearing deposits | 20,679,000 | 20,249,000 | 19,533,000 | 21,349,000 |
| Equity capital | 7,242,000 | 7,497,000 | 7,600,000 | 8,041,000 |
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 | 1,009,000 | 2,057,000 | 3,144,000 | 4,363,000 |
| Interest expense | 77,000 | 150,000 | 222,000 | 298,000 |
| Net interest income | 932,000 | 1,907,000 | 2,922,000 | 4,065,000 |
| Noninterest income | 127,000 | 263,000 | 260,000 | 409,000 |
| Noninterest expense | 540,000 | 1,110,000 | 1,718,000 | 2,637,000 |
| Provision for loan losses | 60,000 | 120,000 | 120,000 | 120,000 |
| Pretax income | 473,000 | 978,000 | 1,389,000 | 1,769,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 473,000 | 978,000 | 1,389,000 | 1,769,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,589,000 | 7,619,000 | 7,681,000 | 8,030,000 |
| Total capital | 8,373,000 | 8,444,000 | 8,555,000 | 8,977,000 |
| Risk-weighted assets | 62,239,000 | 65,557,000 | 69,495,000 | 75,629,000 |