Call reports 2014
FREEDOM BANK OF SOUTHERN MISSOURI — 2014
What FREEDOM BANK OF SOUTHERN MISSOURI 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 | 207,725,000 | 209,833,000 | 206,871,000 | 211,560,000 |
| Total loans | 152,918,000 | 153,671,000 | 160,995,000 | 169,997,000 |
| Allowance for loan losses | 2,218,000 | 2,296,000 | 2,237,000 | 2,220,000 |
| Securities available for sale | 36,534,000 | 34,500,000 | 35,869,000 | 32,878,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,347,000 | 194,116,000 | 190,133,000 | 186,092,000 |
| Interest-bearing deposits | 177,529,000 | 177,257,000 | 175,152,000 | 172,299,000 |
| Noninterest-bearing deposits | 15,818,000 | 16,859,000 | 14,981,000 | 13,793,000 |
| Equity capital | 13,961,000 | 15,253,000 | 16,196,000 | 18,823,000 |
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 | 2,208,000 | 4,571,000 | 7,025,000 | 9,526,000 |
| Interest expense | 405,000 | 802,000 | 1,195,000 | 1,574,000 |
| Net interest income | 1,803,000 | 3,769,000 | 5,830,000 | 7,952,000 |
| Noninterest income | 162,000 | 438,000 | 670,000 | 845,000 |
| Noninterest expense | 1,367,000 | 2,739,000 | 4,111,000 | 5,521,000 |
| Provision for loan losses | 175,000 | 252,000 | 309,000 | 369,000 |
| Pretax income | 423,000 | 1,216,000 | 2,080,000 | 2,891,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 423,000 | 1,216,000 | 2,080,000 | 2,891,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,667,000 | 15,461,000 | 16,325,000 | 18,721,000 |
| Total capital | 16,280,000 | 17,101,000 | 18,017,000 | 20,478,000 |
| Risk-weighted assets | 128,462,000 | 130,550,000 | 134,792,000 | 140,107,000 |