Call reports 2014
CCFBANK NATIONAL ASSOCIATION — 2014
What CCFBANK NATIONAL ASSOCIATION 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 | 550,637,000 | 564,772,000 | 569,815,000 | 571,276,000 |
| Total loans | 443,655,000 | 464,696,000 | 470,930,000 | 462,655,000 |
| Allowance for loan losses | 6,296,000 | 6,338,000 | 6,506,000 | 6,547,000 |
| Securities available for sale | 64,405,000 | 64,296,000 | 62,189,000 | 62,591,000 |
| Securities held to maturity | 8,534,000 | 9,197,000 | 8,785,000 | 9,417,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 434,808,000 | 440,103,000 | 450,144,000 | 454,918,000 |
| Interest-bearing deposits | 413,184,000 | 418,690,000 | 430,098,000 | 433,964,000 |
| Noninterest-bearing deposits | 21,624,000 | 21,413,000 | 20,046,000 | 20,954,000 |
| Equity capital | 55,137,000 | 56,354,000 | 57,058,000 | 59,006,000 |
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 | 5,895,000 | 11,878,000 | 18,000,000 | 23,974,000 |
| Interest expense | 1,042,000 | 2,088,000 | 3,171,000 | 4,289,000 |
| Net interest income | 4,853,000 | 9,790,000 | 14,829,000 | 19,685,000 |
| Noninterest income | 729,000 | 1,676,000 | 2,690,000 | 3,723,000 |
| Noninterest expense | 4,357,000 | 8,919,000 | 13,587,000 | 16,766,000 |
| Provision for loan losses | 480,000 | 935,000 | 1,310,000 | 1,545,000 |
| Pretax income | 604,000 | 1,463,000 | 2,455,000 | 4,931,000 |
| Income tax | 224,000 | 544,000 | 915,000 | 1,878,000 |
| Net income | 380,000 | 919,000 | 1,540,000 | 3,053,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,365,000 | 56,246,000 | 57,283,000 | 57,766,000 |
| Total capital | 59,719,000 | 60,962,000 | 62,116,000 | 62,548,000 |
| Risk-weighted assets | 346,370,000 | 376,063,000 | 384,912,000 | 380,771,000 |