Call reports 2014
SAVINGS BANK, THE — 2014
What SAVINGS BANK, THE 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 | 476,022,000 | 487,946,000 | 485,326,000 | 497,437,000 |
| Total loans | 339,084,000 | 350,299,000 | 361,459,000 | 375,994,000 |
| Allowance for loan losses | 2,842,000 | 2,900,000 | 2,886,000 | 3,002,000 |
| Securities available for sale | 84,483,000 | 85,240,000 | 79,519,000 | 73,962,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 393,834,000 | 404,650,000 | 401,862,000 | 407,583,000 |
| Interest-bearing deposits | 326,381,000 | 333,981,000 | 333,514,000 | 338,977,000 |
| Noninterest-bearing deposits | 67,453,000 | 70,669,000 | 68,348,000 | 68,606,000 |
| Equity capital | 62,644,000 | 63,474,000 | 63,521,000 | 64,710,000 |
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 | 3,851,000 | 7,795,000 | 11,767,000 | 15,811,000 |
| Interest expense | 356,000 | 739,000 | 1,117,000 | 1,517,000 |
| Net interest income | 3,495,000 | 7,056,000 | 10,650,000 | 14,294,000 |
| Noninterest income | 1,290,000 | 2,611,000 | 3,862,000 | 5,957,000 |
| Noninterest expense | 4,420,000 | 8,835,000 | 13,254,000 | 18,598,000 |
| Provision for loan losses | 211,000 | 269,000 | 405,000 | 557,000 |
| Pretax income | 235,000 | 1,069,000 | 1,805,000 | 2,413,000 |
| Income tax | 28,000 | 248,000 | 444,000 | 280,000 |
| Net income | 207,000 | 821,000 | 1,361,000 | 2,133,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,967,000 | 54,580,000 | 55,120,000 | 55,893,000 |
| Total capital | 60,415,000 | 61,224,000 | 61,508,000 | 62,706,000 |
| Risk-weighted assets | 292,213,000 | 294,644,000 | 296,999,000 | 321,521,000 |