Call reports 2014
DURAND STATE BANK — 2014
What DURAND 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 | 89,785,000 | 90,607,000 | 89,458,000 | 92,650,000 |
| Total loans | 49,205,000 | 50,156,000 | 52,027,000 | 54,069,000 |
| Allowance for loan losses | 605,000 | 629,000 | 651,000 | 605,000 |
| Securities available for sale | 32,359,000 | 31,945,000 | 30,815,000 | 30,568,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,621,000 | 79,920,000 | 78,525,000 | 79,373,000 |
| Interest-bearing deposits | 70,147,000 | 70,540,000 | 69,916,000 | 70,279,000 |
| Noninterest-bearing deposits | 10,474,000 | 9,380,000 | 8,609,000 | 9,094,000 |
| Equity capital | 8,830,000 | 9,338,000 | 9,496,000 | 9,711,000 |
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 | 839,000 | 1,677,000 | 2,525,000 | 3,404,000 |
| Interest expense | 81,000 | 160,000 | 248,000 | 337,000 |
| Net interest income | 758,000 | 1,517,000 | 2,277,000 | 3,067,000 |
| Noninterest income | 128,000 | 218,000 | 308,000 | 376,000 |
| Noninterest expense | 636,000 | 1,294,000 | 1,918,000 | 2,533,000 |
| Provision for loan losses | 30,000 | 50,000 | 154,000 | 212,000 |
| Pretax income | 220,000 | 409,000 | 537,000 | 738,000 |
| Income tax | 13,000 | 26,000 | 38,000 | 81,000 |
| Net income | 207,000 | 383,000 | 499,000 | 657,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,402,000 | 9,578,000 | 9,693,000 | 9,768,000 |
| Total capital | 10,007,000 | 10,207,000 | 10,344,000 | 10,373,000 |
| Risk-weighted assets | 61,630,000 | 61,900,000 | 62,329,000 | 64,402,000 |