Call reports 2014
ST. MARYS STATE BANK, THE — 2014
What ST. MARYS STATE BANK, THE 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 | 93,769,000 | 91,665,000 | 91,237,000 | 95,493,000 |
| Total loans | 51,700,000 | 52,099,000 | 51,519,000 | 49,680,000 |
| Allowance for loan losses | 1,312,000 | 943,000 | 964,000 | 964,000 |
| Securities available for sale | 31,675,000 | 32,697,000 | 30,857,000 | 30,460,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,024,000 | 71,725,000 | 71,193,000 | 76,611,000 |
| Interest-bearing deposits | 57,170,000 | 53,596,000 | 53,245,000 | 50,622,000 |
| Noninterest-bearing deposits | 18,854,000 | 18,129,000 | 17,948,000 | 25,989,000 |
| Equity capital | 8,943,000 | 9,380,000 | 9,723,000 | 10,022,000 |
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 | 877,000 | 1,787,000 | 2,684,000 | 3,570,000 |
| Interest expense | 178,000 | 353,000 | 529,000 | 698,000 |
| Net interest income | 699,000 | 1,434,000 | 2,155,000 | 2,872,000 |
| Noninterest income | 123,000 | 280,000 | 440,000 | 622,000 |
| Noninterest expense | 591,000 | 1,186,000 | 1,789,000 | 2,415,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 216,000 | 505,000 | 768,000 | 1,026,000 |
| Income tax | 7,000 | 21,000 | 21,000 | 23,000 |
| Net income | 209,000 | 484,000 | 747,000 | 1,003,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,928,000 | 9,148,000 | 9,412,000 | 9,667,000 |
| Total capital | 9,803,000 | 10,033,000 | 10,287,000 | 10,522,000 |
| Risk-weighted assets | 69,573,000 | 70,743,000 | 69,936,000 | 68,253,000 |