Call reports 2014
NECEDAH BANK, THE — 2014
What NECEDAH BANK, THE 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 | 32,827,000 | 32,824,000 | 33,564,000 | 32,831,000 |
| Total loans | 19,093,000 | 21,224,000 | 22,587,000 | 24,005,000 |
| Allowance for loan losses | 296,000 | 296,000 | 296,000 | 312,000 |
| Securities available for sale | 7,097,000 | 6,573,000 | 6,576,000 | 5,529,000 |
| Securities held to maturity | 781,000 | 779,000 | 778,000 | 776,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,752,000 | 26,651,000 | 27,359,000 | 26,489,000 |
| Interest-bearing deposits | 19,352,000 | 18,831,000 | 19,527,000 | 18,607,000 |
| Noninterest-bearing deposits | 7,400,000 | 7,820,000 | 7,832,000 | 7,882,000 |
| Equity capital | 3,970,000 | 4,043,000 | 4,084,000 | 4,055,000 |
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 | 275,000 | 551,000 | 845,000 | 1,147,000 |
| Interest expense | 41,000 | 81,000 | 123,000 | 163,000 |
| Net interest income | 234,000 | 470,000 | 722,000 | 984,000 |
| Noninterest income | 31,000 | 63,000 | 75,000 | 108,000 |
| Noninterest expense | 254,000 | 481,000 | 725,000 | 931,000 |
| Provision for loan losses | 0 | 0 | 0 | 16,000 |
| Pretax income | 11,000 | 52,000 | 73,000 | 163,000 |
| Income tax | -7,000 | -4,000 | -12,000 | -21,000 |
| Net income | 18,000 | 56,000 | 85,000 | 184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,970,000 | 4,008,000 | 4,037,000 | 4,004,000 |
| Total capital | 4,250,000 | 4,304,000 | 4,333,000 | 4,316,000 |
| Risk-weighted assets | 22,379,000 | 23,903,000 | 24,790,000 | 25,589,000 |