Call reports 2014
POLONIA BANK — 2014
What POLONIA 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 | 302,476,000 | 299,785,000 | 298,388,000 | 308,277,000 |
| Total loans | 204,736,000 | 213,341,000 | 214,865,000 | 217,773,000 |
| Allowance for loan losses | 1,382,000 | 1,382,000 | 1,432,000 | 1,416,000 |
| Securities available for sale | 14,916,000 | 12,742,000 | 11,950,000 | 11,712,000 |
| Securities held to maturity | 50,873,000 | 48,904,000 | 46,602,000 | 44,742,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,941,000 | 203,142,000 | 201,069,000 | 205,757,000 |
| Interest-bearing deposits | 200,226,000 | 198,602,000 | 196,506,000 | 199,274,000 |
| Noninterest-bearing deposits | 5,715,000 | 4,540,000 | 4,563,000 | 6,483,000 |
| Equity capital | 34,192,000 | 34,284,000 | 34,394,000 | 34,359,000 |
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 | 2,828,000 | 5,655,000 | 8,497,000 | 11,342,000 |
| Interest expense | 801,000 | 1,598,000 | 2,408,000 | 3,232,000 |
| Net interest income | 2,027,000 | 4,057,000 | 6,089,000 | 8,110,000 |
| Noninterest income | 658,000 | 1,703,000 | 3,187,000 | 4,346,000 |
| Noninterest expense | 2,771,000 | 5,701,000 | 8,947,000 | 12,024,000 |
| Provision for loan losses | 15,000 | 49,000 | 99,000 | 210,000 |
| Pretax income | -101,000 | 10,000 | 230,000 | 222,000 |
| Income tax | -35,000 | 2,000 | 91,000 | 89,000 |
| Net income | -66,000 | 8,000 | 139,000 | 133,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,943,000 | 34,018,000 | 34,148,000 | 34,142,000 |
| Total capital | 35,325,000 | 35,400,000 | 35,580,000 | 35,558,000 |
| Risk-weighted assets | 155,005,000 | 157,582,000 | 158,342,000 | 165,829,000 |