Call reports 2014
CALHOUN COUNTY BANK, INC. — 2014
What CALHOUN COUNTY BANK, INC. 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 | 126,984,000 | 127,980,000 | 129,837,000 | 131,024,000 |
| Total loans | 91,548,000 | 92,361,000 | 92,576,000 | 93,399,000 |
| Allowance for loan losses | 1,169,000 | 1,167,000 | 1,135,000 | 1,093,000 |
| Securities available for sale | 17,499,000 | 18,052,000 | 17,922,000 | 18,399,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,210,000 | 114,807,000 | 116,603,000 | 117,463,000 |
| Interest-bearing deposits | 85,379,000 | 84,512,000 | 84,736,000 | 85,929,000 |
| Noninterest-bearing deposits | 28,831,000 | 30,295,000 | 31,867,000 | 31,534,000 |
| Equity capital | 11,512,000 | 11,944,000 | 12,049,000 | 11,885,000 |
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 | 1,446,000 | 2,906,000 | 4,371,000 | 5,876,000 |
| Interest expense | 186,000 | 374,000 | 562,000 | 748,000 |
| Net interest income | 1,260,000 | 2,532,000 | 3,809,000 | 5,128,000 |
| Noninterest income | 213,000 | 440,000 | 678,000 | 868,000 |
| Noninterest expense | 1,185,000 | 2,215,000 | 3,411,000 | 4,479,000 |
| Provision for loan losses | 20,000 | 50,000 | 50,000 | 105,000 |
| Pretax income | 266,000 | 707,000 | 1,026,000 | 1,412,000 |
| Income tax | 89,000 | 236,000 | 343,000 | 467,000 |
| Net income | 177,000 | 471,000 | 683,000 | 945,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,135,000 | 12,429,000 | 12,531,000 | 12,631,000 |
| Total capital | 13,113,000 | 13,404,000 | 13,504,000 | 13,619,000 |
| Risk-weighted assets | 78,026,000 | 77,801,000 | 77,711,000 | 78,972,000 |