Call reports 2014
DEFIANCE STATE BANK — 2014
What DEFIANCE STATE 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 | 29,493,000 | 29,579,000 | 29,980,000 | 33,150,000 |
| Total loans | 14,885,000 | 14,739,000 | 15,490,000 | 16,985,000 |
| Allowance for loan losses | 180,000 | 187,000 | 186,000 | 162,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 105,000 | 354,000 | 354,000 | 354,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,526,000 | 25,565,000 | 24,743,000 | 23,962,000 |
| Interest-bearing deposits | 23,001,000 | 21,973,000 | 21,221,000 | 21,683,000 |
| Noninterest-bearing deposits | 3,525,000 | 3,592,000 | 3,522,000 | 2,279,000 |
| Equity capital | 2,483,000 | 2,524,000 | 2,555,000 | 2,569,000 |
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 | 229,000 | 461,000 | 695,000 | 944,000 |
| Interest expense | 16,000 | 30,000 | 48,000 | 65,000 |
| Net interest income | 213,000 | 431,000 | 647,000 | 879,000 |
| Noninterest income | 17,000 | 36,000 | 56,000 | 73,000 |
| Noninterest expense | 200,000 | 395,000 | 598,000 | 794,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 31,000 | 73,000 | 107,000 | 162,000 |
| Income tax | 0 | 0 | 3,000 | 5,000 |
| Net income | 31,000 | 73,000 | 104,000 | 157,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,483,000 | 2,524,000 | 2,555,000 | 2,569,000 |
| Total capital | 2,663,000 | 2,711,000 | 2,741,000 | 2,731,000 |
| Risk-weighted assets | 16,744,000 | 16,805,000 | 17,487,000 | 19,983,000 |