Call reports 2014
COLCHESTER STATE BANK — 2014
What COLCHESTER 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 | 59,378,000 | 60,301,000 | 60,168,000 | 62,270,000 |
| Total loans | 26,666,000 | 26,629,000 | 26,681,000 | 27,518,000 |
| Allowance for loan losses | 507,000 | 706,000 | 839,000 | 832,000 |
| Securities available for sale | 27,033,000 | 27,851,000 | 27,048,000 | 26,291,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,127,000 | 51,904,000 | 51,826,000 | 53,854,000 |
| Interest-bearing deposits | 41,658,000 | 40,846,000 | 43,560,000 | 44,783,000 |
| Noninterest-bearing deposits | 9,469,000 | 11,058,000 | 8,266,000 | 9,071,000 |
| Equity capital | 7,773,000 | 7,937,000 | 7,973,000 | 8,104,000 |
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 | 513,000 | 1,027,000 | 1,538,000 | 1,984,000 |
| Interest expense | 70,000 | 140,000 | 208,000 | 276,000 |
| Net interest income | 443,000 | 887,000 | 1,330,000 | 1,708,000 |
| Noninterest income | 68,000 | 139,000 | 217,000 | 280,000 |
| Noninterest expense | 248,000 | 490,000 | 663,000 | 939,000 |
| Provision for loan losses | 35,000 | 242,000 | 537,000 | 537,000 |
| Pretax income | 230,000 | 346,000 | 399,000 | 599,000 |
| Income tax | 63,000 | 76,000 | 82,000 | 145,000 |
| Net income | 167,000 | 270,000 | 317,000 | 454,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,416,000 | 7,519,000 | 7,566,000 | 7,703,000 |
| Total capital | 7,778,000 | 7,892,000 | 7,936,000 | 8,073,000 |
| Risk-weighted assets | 29,027,000 | 30,011,000 | 29,622,000 | 30,504,000 |