Call reports 2014
STATE BANK OF DELPHOS — 2014
What STATE BANK OF DELPHOS 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 | 43,995,000 | 44,776,000 | 43,498,000 | 44,042,000 |
| Total loans | 32,893,000 | 33,183,000 | 32,136,000 | 33,370,000 |
| Allowance for loan losses | 411,000 | 406,000 | 387,000 | 380,000 |
| Securities available for sale | 1,983,000 | 2,265,000 | 2,254,000 | 2,239,000 |
| Securities held to maturity | 5,876,000 | 6,124,000 | 5,768,000 | 5,504,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,825,000 | 34,147,000 | 34,387,000 | 35,372,000 |
| Interest-bearing deposits | 30,138,000 | 29,164,000 | 29,065,000 | 29,735,000 |
| Noninterest-bearing deposits | 5,687,000 | 4,983,000 | 5,322,000 | 5,637,000 |
| Equity capital | 4,524,000 | 4,518,000 | 4,556,000 | 4,695,000 |
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 | 487,000 | 985,000 | 1,485,000 | 1,971,000 |
| Interest expense | 70,000 | 139,000 | 209,000 | 279,000 |
| Net interest income | 417,000 | 846,000 | 1,276,000 | 1,692,000 |
| Noninterest income | 15,000 | 31,000 | 52,000 | 73,000 |
| Noninterest expense | 352,000 | 656,000 | 969,000 | 1,261,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 80,000 | 221,000 | 359,000 | 504,000 |
| Income tax | 7,000 | 14,000 | 20,000 | 20,000 |
| Net income | 73,000 | 207,000 | 339,000 | 484,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,502,000 | 4,497,000 | 4,538,000 | 4,683,000 |
| Total capital | 4,913,000 | 4,903,000 | 4,925,000 | 5,063,000 |
| Risk-weighted assets | 34,461,000 | 34,838,000 | 33,611,000 | 35,048,000 |