Call reports 2014
FIRST CAHAWBA BANK — 2014
What FIRST CAHAWBA 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 | 95,956,000 | 92,961,000 | 92,726,000 | 92,648,000 |
| Total loans | 59,657,000 | 59,439,000 | 61,993,000 | 66,808,000 |
| Allowance for loan losses | 571,000 | 575,000 | 577,000 | 557,000 |
| Securities available for sale | 18,178,000 | 18,086,000 | 17,470,000 | 13,831,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,209,000 | 77,882,000 | 77,342,000 | 76,968,000 |
| Interest-bearing deposits | 64,460,000 | 63,049,000 | 61,605,000 | 60,231,000 |
| Noninterest-bearing deposits | 16,749,000 | 14,833,000 | 15,738,000 | 16,736,000 |
| Equity capital | 11,078,000 | 11,395,000 | 11,613,000 | 11,879,000 |
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 | 908,000 | 1,821,000 | 2,754,000 | 3,723,000 |
| Interest expense | 75,000 | 147,000 | 219,000 | 287,000 |
| Net interest income | 833,000 | 1,674,000 | 2,535,000 | 3,436,000 |
| Noninterest income | 98,000 | 199,000 | 305,000 | 417,000 |
| Noninterest expense | 698,000 | 1,390,000 | 2,085,000 | 2,808,000 |
| Provision for loan losses | 11,000 | 21,000 | 25,000 | 25,000 |
| Pretax income | 222,000 | 462,000 | 730,000 | 1,111,000 |
| Income tax | 79,000 | 160,000 | 250,000 | 392,000 |
| Net income | 143,000 | 302,000 | 480,000 | 719,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,431,000 | 11,590,000 | 11,768,000 | 11,956,000 |
| Total capital | 12,002,000 | 12,165,000 | 12,345,000 | 12,513,000 |
| Risk-weighted assets | 61,797,000 | 60,722,000 | 62,670,000 | 66,411,000 |