Call reports 2014
PASSUMPSIC SAVINGS BANK — 2014
What PASSUMPSIC SAVINGS 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 | 563,750,000 | 576,238,000 | 590,556,000 | 594,164,000 |
| Total loans | 399,815,000 | 405,602,000 | 413,259,000 | 416,651,000 |
| Allowance for loan losses | 4,653,000 | 4,309,000 | 4,249,000 | 4,533,000 |
| Securities available for sale | 77,805,000 | 85,181,000 | 86,729,000 | 80,432,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 462,639,000 | 471,991,000 | 488,088,000 | 490,888,000 |
| Interest-bearing deposits | 398,582,000 | 405,008,000 | 415,868,000 | 417,986,000 |
| Noninterest-bearing deposits | 64,057,000 | 66,984,000 | 72,220,000 | 72,902,000 |
| Equity capital | 66,060,000 | 67,518,000 | 68,144,000 | 68,762,000 |
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 | 5,220,000 | 10,411,000 | 15,638,000 | 20,957,000 |
| Interest expense | 765,000 | 1,517,000 | 2,257,000 | 2,964,000 |
| Net interest income | 4,455,000 | 8,894,000 | 13,381,000 | 17,993,000 |
| Noninterest income | 1,239,000 | 2,553,000 | 4,261,000 | 5,590,000 |
| Noninterest expense | 4,970,000 | 10,220,000 | 15,865,000 | 21,636,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 600,000 |
| Pretax income | 1,488,000 | 2,189,000 | 2,885,000 | 3,107,000 |
| Income tax | 248,000 | 238,000 | 246,000 | 183,000 |
| Net income | 1,240,000 | 1,951,000 | 2,639,000 | 2,924,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,401,000 | 51,197,000 | 51,969,000 | 52,238,000 |
| Total capital | 55,095,000 | 55,698,000 | 56,382,000 | 57,000,000 |
| Risk-weighted assets | 375,023,000 | 373,067,000 | 376,323,000 | 372,654,000 |