Call reports 2014
BANK OF EDMONSON COUNTY — 2014
What BANK OF EDMONSON COUNTY 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 | 201,057,000 | 199,370,000 | 199,445,000 | 199,287,000 |
| Total loans | 139,249,000 | 142,175,000 | 143,920,000 | 145,750,000 |
| Allowance for loan losses | 1,448,000 | 1,487,000 | 1,562,000 | 1,598,000 |
| Securities available for sale | 46,504,000 | 45,571,000 | 43,990,000 | 41,521,000 |
| Securities held to maturity | 165,000 | 165,000 | 165,000 | 165,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,090,000 | 171,895,000 | 171,773,000 | 169,023,000 |
| Interest-bearing deposits | 154,218,000 | 151,315,000 | 150,192,000 | 147,512,000 |
| Noninterest-bearing deposits | 20,872,000 | 20,580,000 | 21,581,000 | 21,511,000 |
| Equity capital | 23,191,000 | 23,917,000 | 24,059,000 | 23,799,000 |
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 | 2,159,000 | 4,384,000 | 6,648,000 | 8,876,000 |
| Interest expense | 385,000 | 754,000 | 1,111,000 | 1,449,000 |
| Net interest income | 1,774,000 | 3,630,000 | 5,537,000 | 7,427,000 |
| Noninterest income | 203,000 | 420,000 | 644,000 | 788,000 |
| Noninterest expense | 1,262,000 | 2,466,000 | 3,733,000 | 5,002,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 220,000 |
| Pretax income | 655,000 | 1,464,000 | 2,268,000 | 3,008,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 655,000 | 1,464,000 | 2,268,000 | 3,008,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,331,000 | 23,720,000 | 23,924,000 | 23,704,000 |
| Total capital | 24,779,000 | 25,207,000 | 25,486,000 | 25,302,000 |
| Risk-weighted assets | 128,972,000 | 129,991,000 | 130,301,000 | 131,278,000 |