Call reports 2014
STATE BANK OF DRUMMOND — 2014
What STATE BANK OF DRUMMOND 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 | 43,023,000 | 41,628,000 | 42,664,000 | 43,308,000 |
| Total loans | 20,533,000 | 20,629,000 | 20,610,000 | 20,354,000 |
| Allowance for loan losses | 614,000 | 572,000 | 585,000 | 561,000 |
| Securities available for sale | 9,892,000 | 9,819,000 | 10,039,000 | 9,267,000 |
| Securities held to maturity | 1,050,000 | 1,050,000 | 1,050,000 | 1,050,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,723,000 | 35,314,000 | 36,355,000 | 37,038,000 |
| Interest-bearing deposits | 28,733,000 | 29,014,000 | 29,733,000 | 29,498,000 |
| Noninterest-bearing deposits | 7,990,000 | 6,300,000 | 6,622,000 | 7,540,000 |
| Equity capital | 6,221,000 | 6,211,000 | 6,238,000 | 6,218,000 |
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 | 424,000 | 803,000 | 1,189,000 | 1,584,000 |
| Interest expense | 15,000 | 35,000 | 54,000 | 73,000 |
| Net interest income | 409,000 | 768,000 | 1,135,000 | 1,511,000 |
| Noninterest income | 65,000 | 122,000 | 200,000 | 261,000 |
| Noninterest expense | 398,000 | 809,000 | 1,231,000 | 1,644,000 |
| Provision for loan losses | 0 | 2,000 | 15,000 | 22,000 |
| Pretax income | 76,000 | 79,000 | 89,000 | 106,000 |
| Income tax | 12,000 | 12,000 | -18,000 | -18,000 |
| Net income | 64,000 | 67,000 | 107,000 | 124,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,077,000 | 6,026,000 | 6,090,000 | 6,121,000 |
| Total capital | 6,361,000 | 6,312,000 | 6,372,000 | 6,399,000 |
| Risk-weighted assets | 22,356,000 | 22,566,000 | 22,248,000 | 21,973,000 |