Call reports 2014
DECATUR STATE BANK — 2014
What DECATUR 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 |
|---|---|---|---|
| Total assets | 138,357,000 | 143,716,000 | 128,813,000 |
| Total loans | 106,604,000 | 108,555,000 | 97,499,000 |
| Allowance for loan losses | 1,740,000 | 1,115,000 | 1,091,000 |
| Securities available for sale | 5,927,000 | 6,471,000 | 6,478,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 123,978,000 | 127,788,000 | 112,397,000 |
| Interest-bearing deposits | 102,787,000 | 109,833,000 | 95,015,000 |
| Noninterest-bearing deposits | 21,191,000 | 17,955,000 | 17,382,000 |
| Equity capital | 14,142,000 | 15,568,000 | 16,200,000 |
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 |
|---|---|---|---|
| Interest income | 2,249,000 | 4,054,000 | 5,667,000 |
| Interest expense | 154,000 | 326,000 | 495,000 |
| Net interest income | 2,095,000 | 3,728,000 | 5,172,000 |
| Noninterest income | 197,000 | -1,695,000 | -1,598,000 |
| Noninterest expense | 1,006,000 | 1,893,000 | 2,806,000 |
| Provision for loan losses | 52,000 | 138,000 | 138,000 |
| Pretax income | 1,234,000 | -11,000 | 617,000 |
| Income tax | 76,000 | 433,000 | 433,000 |
| Net income | 1,158,000 | -444,000 | 184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 |
|---|---|---|---|
| Tier 1 capital | 14,036,000 | 15,442,000 | 16,079,000 |
| Total capital | 15,463,000 | 16,557,000 | 17,170,000 |
| Risk-weighted assets | 113,811,000 | 114,711,000 | 102,181,000 |