Call reports 2014
PAPER CITY SAVINGS BANK, S.A. — 2014
What PAPER CITY SAVINGS BANK, S.A. 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 | 163,079,000 | 163,953,000 | 166,122,000 | 161,335,000 |
| Total loans | 125,193,000 | 125,395,000 | 123,573,000 | 122,355,000 |
| Allowance for loan losses | 686,000 | 681,000 | 578,000 | 549,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,392,000 | 6,178,000 | 5,628,000 | 6,003,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,474,000 | 146,059,000 | 148,005,000 | 143,035,000 |
| Interest-bearing deposits | 141,153,000 | 141,274,000 | 141,845,000 | 137,390,000 |
| Noninterest-bearing deposits | 4,321,000 | 4,785,000 | 6,160,000 | 5,645,000 |
| Equity capital | 17,095,000 | 17,371,000 | 17,591,000 | 17,846,000 |
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 | 1,345,000 | 2,684,000 | 4,012,000 | 5,310,000 |
| Interest expense | 256,000 | 502,000 | 742,000 | 967,000 |
| Net interest income | 1,089,000 | 2,182,000 | 3,270,000 | 4,343,000 |
| Noninterest income | 218,000 | 443,000 | 656,000 | 892,000 |
| Noninterest expense | 947,000 | 1,804,000 | 2,738,000 | 3,621,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 360,000 | 821,000 | 1,188,000 | 1,614,000 |
| Income tax | 142,000 | 327,000 | 474,000 | 645,000 |
| Net income | 218,000 | 494,000 | 714,000 | 969,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,053,000 | 17,329,000 | 17,549,000 | 17,804,000 |
| Total capital | 17,739,000 | 18,010,000 | 18,127,000 | 18,353,000 |
| Risk-weighted assets | 85,308,000 | 85,864,000 | 85,566,000 | 84,170,000 |