Call reports 2014
SILVER LAKE BANK — 2014
What SILVER LAKE 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 | 248,808,000 | 241,590,000 | 237,677,000 | 239,445,000 |
| Total loans | 135,292,000 | 141,914,000 | 140,438,000 | 137,559,000 |
| Allowance for loan losses | 2,449,000 | 2,450,000 | 2,454,000 | 2,373,000 |
| Securities available for sale | 74,420,000 | 78,805,000 | 76,059,000 | 75,300,000 |
| Securities held to maturity | 395,000 | 395,000 | 275,000 | 275,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,419,000 | 183,931,000 | 180,341,000 | 170,108,000 |
| Interest-bearing deposits | 160,879,000 | 156,046,000 | 151,153,000 | 140,752,000 |
| Noninterest-bearing deposits | 29,540,000 | 27,885,000 | 29,188,000 | 29,356,000 |
| Equity capital | 26,549,000 | 27,277,000 | 27,680,000 | 27,819,000 |
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 | 1,938,000 | 3,901,000 | 5,932,000 | 7,880,000 |
| Interest expense | 321,000 | 636,000 | 951,000 | 1,260,000 |
| Net interest income | 1,617,000 | 3,265,000 | 4,981,000 | 6,620,000 |
| Noninterest income | 139,000 | 289,000 | 441,000 | 530,000 |
| Noninterest expense | 1,374,000 | 2,608,000 | 3,882,000 | 5,468,000 |
| Provision for loan losses | 0 | 0 | 0 | 210,000 |
| Pretax income | 382,000 | 946,000 | 1,540,000 | 1,472,000 |
| Income tax | 112,000 | 289,000 | 477,000 | 421,000 |
| Net income | 270,000 | 657,000 | 1,063,000 | 1,051,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,658,000 | 27,044,000 | 27,451,000 | 27,439,000 |
| Total capital | 28,455,000 | 28,911,000 | 29,291,000 | 29,266,000 |
| Risk-weighted assets | 143,133,000 | 148,769,000 | 146,590,000 | 145,585,000 |