Call reports 2014
STATE BANK OF FAIRMONT — 2014
What STATE BANK OF FAIRMONT 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 | 102,033,000 | 99,916,000 | 100,826,000 | 102,653,000 |
| Total loans | 75,277,000 | 74,596,000 | 75,030,000 | 76,219,000 |
| Allowance for loan losses | 1,363,000 | 1,423,000 | 1,468,000 | 1,528,000 |
| Securities available for sale | 21,240,000 | 21,145,000 | 22,291,000 | 22,772,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,706,000 | 85,186,000 | 85,222,000 | 87,360,000 |
| Interest-bearing deposits | 76,150,000 | 74,465,000 | 74,327,000 | 75,685,000 |
| Noninterest-bearing deposits | 11,556,000 | 10,721,000 | 10,895,000 | 11,675,000 |
| Equity capital | 11,389,000 | 11,515,000 | 11,678,000 | 11,580,000 |
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 | 1,127,000 | 2,246,000 | 3,365,000 | 4,488,000 |
| Interest expense | 143,000 | 285,000 | 431,000 | 577,000 |
| Net interest income | 984,000 | 1,961,000 | 2,934,000 | 3,911,000 |
| Noninterest income | 62,000 | 143,000 | 211,000 | 271,000 |
| Noninterest expense | 533,000 | 1,046,000 | 1,585,000 | 2,565,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 454,000 | 939,000 | 1,384,000 | 1,381,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 454,000 | 939,000 | 1,384,000 | 1,381,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,729,000 | 11,621,000 | 11,830,000 | 11,628,000 |
| Total capital | 12,783,000 | 12,661,000 | 12,883,000 | 12,692,000 |
| Risk-weighted assets | 84,038,000 | 82,819,000 | 83,854,000 | 84,682,000 |