Call reports 2014
CBL STATE SAVINGS BANK — 2014
What CBL STATE SAVINGS 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 | 118,775,000 | 119,787,000 | 118,923,000 | 122,659,000 |
| Total loans | 78,917,000 | 77,644,000 | 79,283,000 | 80,197,000 |
| Allowance for loan losses | 1,006,000 | 961,000 | 998,000 | 998,000 |
| Securities available for sale | 17,471,000 | 15,444,000 | 18,243,000 | 17,684,000 |
| Securities held to maturity | 10,165,000 | 9,568,000 | 9,135,000 | 8,658,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,640,000 | 92,031,000 | 90,723,000 | 91,036,000 |
| Interest-bearing deposits | 91,593,000 | 91,963,000 | 90,671,000 | 90,956,000 |
| Noninterest-bearing deposits | 47,000 | 68,000 | 52,000 | 80,000 |
| Equity capital | 24,154,000 | 24,496,000 | 24,733,000 | 24,999,000 |
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 | 1,177,000 | 2,385,000 | 3,490,000 | 4,667,000 |
| Interest expense | 215,000 | 434,000 | 651,000 | 868,000 |
| Net interest income | 962,000 | 1,951,000 | 2,839,000 | 3,799,000 |
| Noninterest income | 38,000 | 86,000 | 114,000 | 147,000 |
| Noninterest expense | 631,000 | 1,244,000 | 1,825,000 | 2,490,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 371,000 | 819,000 | 1,154,000 | 1,482,000 |
| Income tax | 136,000 | 300,000 | 423,000 | 543,000 |
| Net income | 235,000 | 519,000 | 731,000 | 939,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,237,000 | 24,521,000 | 24,732,000 | 24,940,000 |
| Total capital | 25,021,000 | 25,288,000 | 25,516,000 | 25,738,000 |
| Risk-weighted assets | 62,477,000 | 61,163,000 | 62,485,000 | 63,616,000 |