Call reports 2014
LAKE SUNAPEE BANK, FSB — 2014
What LAKE SUNAPEE BANK, FSB 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 | 1,434,592,000 | 1,490,220,000 | 1,482,257,000 | 1,502,324,000 |
| Total loans | 1,165,213,000 | 1,212,482,000 | 1,216,164,000 | 1,218,094,000 |
| Allowance for loan losses | 9,753,000 | 9,779,000 | 9,526,000 | 9,249,000 |
| Securities available for sale | 114,132,000 | 111,569,000 | 106,171,000 | 115,713,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,074,776,000 | 1,116,619,000 | 1,120,697,000 | 1,160,447,000 |
| Interest-bearing deposits | 1,031,859,000 | 1,071,699,000 | 1,072,009,000 | 1,107,740,000 |
| Noninterest-bearing deposits | 42,917,000 | 44,920,000 | 48,688,000 | 52,707,000 |
| Equity capital | 168,985,000 | 170,181,000 | 170,645,000 | 172,731,000 |
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 | 11,866,000 | 24,093,000 | 36,387,000 | 48,635,000 |
| Interest expense | 1,469,000 | 2,903,000 | 4,432,000 | 5,946,000 |
| Net interest income | 10,397,000 | 21,190,000 | 31,955,000 | 42,689,000 |
| Noninterest income | 5,303,000 | 10,827,000 | 16,245,000 | 21,733,000 |
| Noninterest expense | 12,226,000 | 24,392,000 | 36,392,000 | 48,827,000 |
| Provision for loan losses | 0 | 700,000 | 700,000 | 850,000 |
| Pretax income | 3,482,000 | 7,368,000 | 11,864,000 | 15,695,000 |
| Income tax | 1,134,000 | 2,423,000 | 3,992,000 | 4,704,000 |
| Net income | 2,348,000 | 4,945,000 | 7,872,000 | 10,991,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 116,095,000 | 116,994,000 | 118,182,000 | 122,161,000 |
| Total capital | 126,148,000 | 127,080,000 | 127,892,000 | 131,597,000 |
| Risk-weighted assets | 980,810,000 | 1,003,619,000 | 993,734,000 | 991,033,000 |