Call reports 2014
SMALL BUSINESS BANK — 2014
What SMALL BUSINESS 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 | 119,864,000 | 119,429,000 | 118,999,000 | 117,416,000 |
| Total loans | 52,932,000 | 51,947,000 | 53,699,000 | 52,511,000 |
| Allowance for loan losses | 662,000 | 700,000 | 689,000 | 665,000 |
| Securities available for sale | 55,321,000 | 55,870,000 | 55,106,000 | 49,009,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,517,000 | 89,939,000 | 88,723,000 | 87,062,000 |
| Interest-bearing deposits | 60,707,000 | 60,430,000 | 59,908,000 | 57,134,000 |
| Noninterest-bearing deposits | 26,810,000 | 29,509,000 | 28,815,000 | 29,928,000 |
| Equity capital | 8,703,000 | 9,119,000 | 9,030,000 | 9,219,000 |
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 | 978,000 | 1,957,000 | 2,912,000 | 3,869,000 |
| Interest expense | 116,000 | 234,000 | 349,000 | 465,000 |
| Net interest income | 862,000 | 1,723,000 | 2,563,000 | 3,404,000 |
| Noninterest income | 133,000 | 327,000 | 524,000 | 675,000 |
| Noninterest expense | 819,000 | 1,672,000 | 2,539,000 | 3,402,000 |
| Provision for loan losses | 60,000 | 117,000 | 118,000 | 230,000 |
| Pretax income | 116,000 | 263,000 | 431,000 | 504,000 |
| Income tax | 38,000 | 88,000 | 147,000 | 158,000 |
| Net income | 78,000 | 175,000 | 284,000 | 346,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,337,000 | 9,395,000 | 9,416,000 | 9,393,000 |
| Total capital | 9,999,000 | 10,095,000 | 10,105,000 | 10,058,000 |
| Risk-weighted assets | 69,626,000 | 70,239,000 | 70,582,000 | 68,953,000 |