Call reports 2014
FIFTH DISTRICT SAVINGS BANK — 2014
What FIFTH DISTRICT SAVINGS 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 | 389,133,000 | 390,032,000 | 389,059,000 | 386,151,000 |
| Total loans | 269,824,000 | 274,468,000 | 275,516,000 | 275,198,000 |
| Allowance for loan losses | 2,026,000 | 2,179,000 | 2,180,000 | 2,206,000 |
| Securities available for sale | 69,181,000 | 66,764,000 | 64,608,000 | 64,790,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 320,145,000 | 320,422,000 | 320,213,000 | 316,923,000 |
| Interest-bearing deposits | 315,699,000 | 315,670,000 | 315,003,000 | 311,564,000 |
| Noninterest-bearing deposits | 4,446,000 | 4,752,000 | 5,210,000 | 5,359,000 |
| Equity capital | 64,333,000 | 64,847,000 | 65,230,000 | 65,924,000 |
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 | 3,382,000 | 6,828,000 | 10,202,000 | 13,582,000 |
| Interest expense | 487,000 | 1,004,000 | 1,538,000 | 2,054,000 |
| Net interest income | 2,895,000 | 5,824,000 | 8,664,000 | 11,528,000 |
| Noninterest income | 98,000 | 206,000 | 312,000 | 408,000 |
| Noninterest expense | 2,152,000 | 4,252,000 | 6,470,000 | 8,590,000 |
| Provision for loan losses | 0 | 190,000 | 190,000 | 215,000 |
| Pretax income | 841,000 | 2,112,000 | 2,840,000 | 3,655,000 |
| Income tax | 235,000 | 658,000 | 901,000 | 1,172,000 |
| Net income | 606,000 | 1,454,000 | 1,939,000 | 2,483,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,610,000 | 64,458,000 | 64,943,000 | 65,487,000 |
| Total capital | 65,636,000 | 66,637,000 | 67,123,000 | 67,693,000 |
| Risk-weighted assets | 187,501,000 | 190,548,000 | 189,159,000 | 185,186,000 |