Call reports 2014
FORD COUNTY STATE BANK — 2014
What FORD COUNTY 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 | 40,093,000 | 38,394,000 | 37,598,000 | 38,521,000 |
| Total loans | 19,608,000 | 19,355,000 | 21,069,000 | 22,744,000 |
| Allowance for loan losses | 354,000 | 323,000 | 360,000 | 371,000 |
| Securities available for sale | 12,171,000 | 12,622,000 | 11,445,000 | 9,346,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,205,000 | 33,316,000 | 32,380,000 | 33,198,000 |
| Interest-bearing deposits | 31,224,000 | 29,430,000 | 28,397,000 | 28,660,000 |
| Noninterest-bearing deposits | 3,981,000 | 3,886,000 | 3,983,000 | 4,538,000 |
| Equity capital | 4,571,000 | 4,712,000 | 4,811,000 | 4,892,000 |
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 | 321,000 | 644,000 | 985,000 | 1,314,000 |
| Interest expense | 20,000 | 40,000 | 58,000 | 76,000 |
| Net interest income | 301,000 | 604,000 | 927,000 | 1,238,000 |
| Noninterest income | 23,000 | 38,000 | 52,000 | 75,000 |
| Noninterest expense | 250,000 | 465,000 | 674,000 | 893,000 |
| Provision for loan losses | 0 | 6,000 | 12,000 | 18,000 |
| Pretax income | 74,000 | 171,000 | 293,000 | 402,000 |
| Income tax | 18,000 | 46,000 | 87,000 | 117,000 |
| Net income | 56,000 | 125,000 | 206,000 | 285,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,547,000 | 4,617,000 | 4,698,000 | 4,776,000 |
| Total capital | 4,853,000 | 4,917,000 | 5,017,000 | 5,108,000 |
| Risk-weighted assets | 24,438,000 | 23,939,000 | 25,491,000 | 26,511,000 |