Call reports 2014
BANK OF ST. FRANCISVILLE — 2014
What BANK OF ST. FRANCISVILLE 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 | 108,360,000 | 107,233,000 | 106,731,000 | 115,062,000 |
| Total loans | 73,409,000 | 70,877,000 | 71,208,000 | 73,890,000 |
| Allowance for loan losses | 917,000 | 990,000 | 1,056,000 | 1,023,000 |
| Securities available for sale | 19,378,000 | 22,648,000 | 22,101,000 | 21,862,000 |
| Securities held to maturity | 249,000 | 249,000 | 249,000 | 249,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,678,000 | 94,240,000 | 94,429,000 | 102,732,000 |
| Interest-bearing deposits | 66,582,000 | 64,472,000 | 63,962,000 | 70,826,000 |
| Noninterest-bearing deposits | 28,096,000 | 29,768,000 | 30,467,000 | 31,907,000 |
| Equity capital | 10,524,000 | 10,687,000 | 10,843,000 | 11,284,000 |
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 | 1,290,000 | 2,625,000 | 3,941,000 | 5,272,000 |
| Interest expense | 56,000 | 117,000 | 171,000 | 223,000 |
| Net interest income | 1,234,000 | 2,508,000 | 3,770,000 | 5,049,000 |
| Noninterest income | 241,000 | 503,000 | 709,000 | 941,000 |
| Noninterest expense | 1,110,000 | 2,258,000 | 3,441,000 | 4,530,000 |
| Provision for loan losses | 77,000 | 156,000 | 234,000 | 261,000 |
| Pretax income | 288,000 | 597,000 | 804,000 | 1,206,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 288,000 | 597,000 | 804,000 | 1,206,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,909,000 | 10,859,000 | 10,885,000 | 11,288,000 |
| Total capital | 11,826,000 | 11,744,000 | 11,785,000 | 12,251,000 |
| Risk-weighted assets | 76,995,000 | 71,807,000 | 71,830,000 | 77,008,000 |